Home Insurance in Woodville, Texas
Homes in Woodville carry a median value of $214,900 - 37% higher than the Tyler County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Woodville was built around 1981. About 8% of homes were built before 1960, about 4 points below Tyler County's 13%.
The housing stock in Woodville is 70% single-family homes, 12% apartments in buildings with 5+ units and 6% 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.
43% of owner-occupied homes in Woodville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 55% of occupied homes in Woodville are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Woodville - 62% - are primarily heated with electricity.
What's the biggest home insurance risk near Woodville? FEMA's National Risk Index points to hurricane (Relatively Moderate) in Tyler County and Tyler County had 113 active NFIP flood policies as of September 2026. See the full Tyler County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
6 licensed insurance agencies serve this area.
Key figures
| Median home value | $214,900 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Tyler County | 113 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Woodville
- COMMUNITY INSURANCE SOLUTIONS, LLC, Woodville (General Lines Agency)
- EAGLE INSURANCE AGENCY PLLC, Woodville (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)
- TEXAS STATE INSURANCE GROUP LLC, Woodville (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)