HomeInsuranceQts

Home Insurance in Tom Green County, Texas

With a median home value of $197,000, Tom Green County is 31% lower than the Texas median.

The typical home in Tom Green County was built around 1980. About 23% of homes were built before 1960, about 11 points above Texas's 12%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.

The housing stock in Tom Green County is 74% single-family homes, 16% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.

In Tom Green County, about 49% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

About 65% of occupied homes in Tom Green County are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.

In Tom Green County, 65% of homes are primarily heated with electricity.

Per FEMA's National Risk Index, Tom Green County's top hazards are hail (Relatively High), winter weather (Relatively High) and wildfire (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, Tom Green County has 511 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).

This area lists 36 licensed insurance agencies.

Key figures

Median home value$197,000
Median year built1980
Owner-occupied share65%
Share of owner-occupied homes with a mortgage49%
Top hazards (FEMA National Risk Index)Hail (Relatively High), Winter Weather (Relatively High), Wildfire (Relatively Moderate)
Active NFIP flood policies (county)511
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)

Towns and cities

Licensed insurance agencies in Tom Green County

Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt

Sources