Home Insurance in Mount Pleasant, Texas
The median home value in Mount Pleasant is $170,700, close to the Titus 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 Mount Pleasant was built around 1978. About 16% of homes were built before 1960, about 4 points above Titus County's 12%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Mount Pleasant is 71% single-family homes, 16% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
47% of owner-occupied homes in Mount Pleasant carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 58% of occupied homes in Mount Pleasant are owner-occupied.
In Mount Pleasant, 70% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Mount Pleasant? FEMA's National Risk Index points to hail (Relatively Moderate) in Titus County and Titus County had 38 active NFIP flood policies as of September 2026. See the full Titus 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).
5 licensed insurance agencies serve this area.
Key figures
| Median home value | $170,700 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Titus County | 38 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Mount Pleasant
- 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)
- 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
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)