Home Insurance in Upshur County, Texas
With a median home value of $167,800, Upshur County is 41% lower than the Texas median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Upshur County was built around 1989. About 14% of homes were built before 1960, about 2 points above Texas's 12%.
The housing stock in Upshur County is 73% single-family homes, 2% apartments in buildings with 5+ units and 19% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
45% of owner-occupied homes in Upshur County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 81% of occupied homes in Upshur County are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 78% of homes in Upshur County are primarily heated with electricity.
Per FEMA's National Risk Index, Upshur County's top hazards are tornado (Relatively High), strong wind (Relatively High) and hail (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, Upshur County has 42 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).
9 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $167,800 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively High), Strong Wind (Relatively High), Hail (Relatively Moderate) |
| Active NFIP flood policies (county) | 42 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Upshur County
- C. PILCHER INSURANCE SERVICES, LLC, Gilmer (General Lines Agency)
- CLIENTS FIRST INSURANCE GROUP, LLC, Gilmer (General Lines Agency)
- CROSS COUNTRY INSURANCE SOLUTIONS, LLC, Big Sandy (General Lines Agency)
- EDDINGTON ENTERPRISES, LLC, Gilmer (General Lines Agency)
- HEFNER GROUP, LLC, Gilmer (General Lines Agency)
- J. EDWARD WILLIAMS INSURANCE AGENCY, INC, Gilmer (General Lines Agency)
- MANOS UNIDAS FINANCIAL SOLUTIONS LLC, Gilmer (General Lines Agency)
- MIRIAM HILL HOLDINGS LLC, Gilmer (General Lines Agency)
- WILBURN INSURANCE AGENCY INC, Gilmer (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)