Home Insurance in Tyler County, Texas
The median home value in Tyler County is $157,300, 45% lower than the Texas median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Tyler County was built around 1985. About 13% 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 Tyler County is 75% single-family homes, 2% apartments in buildings with 5+ units and 20% mobile or manufactured homes.
About 36% of owner-occupied homes in Tyler County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 81% of occupied homes in Tyler County are owner-occupied. The vacancy rate is 25%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Tyler County, 81% of homes are primarily heated with electricity.
The top hazards for Tyler County, per FEMA's National Risk Index, are hurricane (Relatively Moderate), wildfire (Relatively Low) and tornado (Relatively Moderate).
Tyler County had 113 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
This area lists 9 licensed insurance agencies.
Key figures
| Median home value | $157,300 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Wildfire (Relatively Low), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 113 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Smaller communities
-
Colmesneil
- Median home value: $119,900
- Median year built: 1983
- Owner-occupied share: 83%
-
Ivanhoe
- Median home value: $98,200
- Median year built: 1983
- Owner-occupied share: 78%
Licensed insurance agencies in Tyler County
- COMMUNITY INSURANCE SOLUTIONS, LLC, Woodville (General Lines Agency)
- EAGLE INSURANCE AGENCY PLLC, Woodville (General Lines Agency)
- EAST TEXAS INSURANCE AGENCY LLC, Colmesneil (General Lines Agency)
- J WILSON INSURANCE AGENCY LLC, Woodville (General Lines Agency)
- MILESTONE INTEGRITY INSURANCE, LLC, Woodville (General Lines Agency)
- PILGRIM INSURANCE AGENCY INC., Woodville (General Lines Agency)
- TAM-RAY DEVA, LLC, Ivanhoe (General Lines Agency)
- TEXAS STATE INSURANCE GROUP LLC, Woodville (General Lines Agency)
- TEXAS SUPERIOR INSURANCE AGENCY LLC, Fred (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)