Home Insurance in Winona, Texas
Homes in Winona carry a median value of $153,300 - 36% lower than the Smith County median.
The typical home in Winona was built around 1984. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 25% of homes were built before 1960, about 7 points above Smith County's 18%.
In Winona, the housing stock is 67% single-family homes, 1% apartments in buildings with 5+ units and 23% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
55% of owner-occupied homes in Winona carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 59% of occupied homes in Winona are owner-occupied. The vacancy rate is 24%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Winona, 53% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Winona? FEMA's National Risk Index points to strong wind (Relatively High) in Smith County and Smith County had 500 active NFIP flood policies as of September 2026. See the full Smith County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
Key figures
| Median home value | $153,300 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Smith County | 500 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
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)