Home Insurance in Breckenridge, Texas
Homes in Breckenridge carry a median value of $75,900 - 31% lower than the Stephens County median.
The typical home in Breckenridge was built around 1971. About 30% of homes were built before 1960, about 8 points above Stephens County's 23%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Breckenridge is 65% single-family homes, 21% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 48% of owner-occupied homes in Breckenridge have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 65% of occupied homes in Breckenridge are owner-occupied. The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Breckenridge - 63% - are primarily heated with electricity.
Stephens County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Stephens County had 98 active NFIP flood policies as of September 2026. See the full Stephens 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).
This area lists 2 licensed insurance agencies.
Key figures
| Median home value | $75,900 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Stephens County | 98 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Breckenridge
- HERRING INSURANCE AGENCY, Breckenridge (General Lines Agency)
- MELINDA FORE INSURANCE AGENCY, LLC, Breckenridge (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)