Home Insurance in Saginaw, Texas
Homes in Saginaw carry a median value of $298,500 - 8% lower than the Tarrant County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Saginaw was built around 2000. About 4% of homes were built before 1960, about 9 points below Tarrant County's 13%.
Housing in Saginaw breaks down to 88% single-family homes, 8% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 69% of owner-occupied homes in Saginaw have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 68% of occupied homes in Saginaw are owner-occupied.
In Saginaw, 72% of homes are primarily heated with electricity.
Tarrant County had 5,647 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Very High). See the full Tarrant County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Texas is $2,864 per year, according to the NAIC homeowners insurance report (2023 data).
3 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $298,500 |
|---|---|
| Median year built | 2000 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 69% |
| Top county hazard | Hail (Very High) |
| Active NFIP policies in Tarrant County | 5,647 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Saginaw
- KIRK BONDS INSURANCE SERVICES LLC, Saginaw (General Lines Agency)
- LORI HERNANDEZ AGENCY LLC, Saginaw (General Lines Agency)
- NANA RENNIE INSURANCE AGENCY, INC, Saginaw (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)