Home Insurance in Terrell County, Texas
The median home value in Terrell County is $137,500, 52% lower than the Texas median.
The typical home in Terrell County was built around 1957. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 54% of homes were built before 1960, about 42 points above Texas's 12%.
In Terrell County, the housing stock is 87% single-family homes, 2% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
20% of owner-occupied homes in Terrell County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 89% of occupied homes in Terrell County are owner-occupied. The vacancy rate is 29%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
49% of homes in Terrell County are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists wildfire (Very Low), hurricane (Very Low) and strong wind (Very Low) as the leading hazards for Terrell County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Terrell County has 2 active NFIP flood policies on file.
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 | $137,500 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 20% |
| Top hazards (FEMA National Risk Index) | Wildfire (Very Low), Hurricane (Very Low), Strong Wind (Very Low) |
| Active NFIP flood policies (county) | 2 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Sources
- 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)