Home Insurance in Trinity, Texas
Homes in Trinity carry a median value of $94,500 - 21% lower than the Trinity County median.
The typical home in Trinity was built around 1984. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 18% of homes were built before 1960, about 8 points above Trinity County's 11%.
The housing stock in Trinity is 50% single-family homes, 11% apartments in buildings with 5+ units and 28% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 17% of owner-occupied homes in Trinity have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Trinity has an owner-occupancy rate of 46% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Trinity, 80% of homes are primarily heated with electricity.
Trinity County's top FEMA-rated hazard is hurricane (Relatively Moderate), per FEMA's National Risk Index. Trinity County had 42 active NFIP flood policies as of September 2026. See the full Trinity 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).
This area lists 1 licensed insurance agencies.
Key figures
| Median home value | $94,500 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 46% |
| Share of owner-occupied homes with a mortgage | 17% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Trinity County | 42 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Trinity
- RJB INSURANCE GROUP, LLC, Trinity (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)