Home Insurance in Whitehouse, Texas
With a median home value of $253,800, Whitehouse is 5% higher than the Smith County median.
The typical home in Whitehouse was built around 1995. About 6% of homes were built before 1960, about 11 points below Smith County's 18%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Whitehouse is 82% single-family homes, 9% apartments in buildings with 5+ units and 7% mobile or manufactured homes.
66% of owner-occupied homes in Whitehouse carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Whitehouse has an owner-occupancy rate of 75% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
In Whitehouse, 69% of homes are primarily heated with electricity.
Smith County had 500 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). See the full Smith County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Texas carries a statewide average premium of $2,864 per year.
This area lists 6 licensed insurance agencies.
Key figures
| Median home value | $253,800 |
|---|---|
| Median year built | 1995 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Smith County | 500 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Whitehouse
- GENTRY INSURANCE AGENCY, INC, Whitehouse (General Lines Agency)
- INSURANCETOOLE PLLC, Whitehouse (General Lines Agency)
- KELLEY WHITEHURST INSURANCE AGENCY, LLC, Whitehouse (General Lines Agency)
- PHOENYX INSURANCE SOLUTIONS LLC, Whitehouse (General Lines Agency)
- ROBERT DUNCAN INSURANCE AGENCY, LLC, Whitehouse (General Lines Agency)
- WOOLDRIDGE FINANCIAL SERVICES, LLC, Whitehouse (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)
- Texas Department of Insurance - licensed agencies (2026)