Home Insurance in Gilmer, Texas
The median home value in Gilmer is $166,700, close to the Upshur County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Gilmer was built around 1975. About 36% of homes were built before 1960, about 22 points above Upshur County's 14%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Gilmer is 69% single-family homes, 14% apartments in buildings with 5+ units and 4% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Gilmer, about 45% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 56% of occupied homes in Gilmer are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Gilmer - 60% - are primarily heated with electricity.
FEMA rates Upshur County's overall risk as Relatively Low, led by tornado (Relatively High). Upshur County had 42 active NFIP flood policies as of September 2026. See the full Upshur 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).
8 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $166,700 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Upshur County | 42 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Gilmer
- C. PILCHER INSURANCE SERVICES, LLC, Gilmer (General Lines Agency)
- CLIENTS FIRST INSURANCE GROUP, LLC, Gilmer (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
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)