Home Insurance in Titus County, Texas
The median home value in Titus County is $174,000, 39% lower than the Texas median.
The typical home in Titus County was built around 1985. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 12% of homes were built before 1960, in line with Texas (12%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Titus County is 72% single-family homes, 9% apartments in buildings with 5+ units and 14% mobile or manufactured homes.
In Titus County, about 43% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Titus County has an owner-occupancy rate of 71% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
In Titus County, 75% of homes are primarily heated with electricity.
Per FEMA's National Risk Index, Titus County's top hazards are hail (Relatively Moderate), strong wind (Relatively Moderate) and tornado (Relatively Moderate).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Titus County has 38 active NFIP flood policies on file.
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).
7 licensed insurance agencies serve this area.
Key figures
| Median home value | $174,000 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Strong Wind (Relatively Moderate), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 38 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Titus County
- BRADY JONES AGENCY LLC, Mt Pleasant (General Lines Agency)
- CHALLENGER INSURANCE GROUP LLC, Mount Pleasant (General Lines Agency)
- CMJ INVESTING LLC, Mount Pleasant (General Lines Agency)
- D & S TAX SERVICE LLC, Mount Pleasant (General Lines Agency)
- EMMA FLORES INSURANCE AGENCY, LLC, Mt Pleasant (General Lines Agency)
- SB INSURANCE, LLC, Mount Pleasant (General Lines Agency)
- TEXAS STAR INSURANCE ADVISORS, LLC, Mount Pleasant (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
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)
- Texas Department of Insurance - licensed agencies (2026)