Home Insurance in Van Zandt County, Texas
With a median home value of $222,100, Van Zandt County is 22% 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 Van Zandt County was built around 1991. About 10% of homes were built before 1960, about 2 points below Texas's 12%.
In Van Zandt County, the housing stock is 75% single-family homes, 2% apartments in buildings with 5+ units and 20% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 46% of owner-occupied homes in Van Zandt County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Van Zandt County has an owner-occupancy rate of 81% and a vacancy rate of 12%; 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 Van Zandt County, 76% of homes are primarily heated with electricity.
FEMA's National Risk Index lists strong wind (Relatively High), hail (Relatively Moderate) and tornado (Relatively Moderate) as the leading hazards for Van Zandt County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Van Zandt County has 134 active NFIP flood policies on file.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Texas carries a statewide average premium of $2,864 per year.
17 licensed insurance agencies serve this area.
Key figures
| Median home value | $222,100 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively High), Hail (Relatively Moderate), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 134 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Van Zandt County
- BDW INSURANCE LLC, Van (General Lines Agency)
- DWAYNE WHEELER INSURANCE AGENCY INC, Van (General Lines Agency)
- G & G INSURANCE GROUP, LLC, Van (General Lines Agency)
- HILL INSURANCE AGENCY L P, Wills Point (General Lines Agency)
- KRM INSURANCE SPECIALISTS, LLC, Wills Point (General Lines Agency)
- KRM INSURANCE SPECIALISTS, LLC, Wills Point (Pers Lines Prop and Cas Agency)
- LOWE INSURANCE GROUP LLC, Grand Saline (General Lines Agency)
- MOOSBERG INSURANCE AGENCY LTD, Ben Wheeler (General Lines Agency)
- PREMIUM INSURANCE AGENCY INC, Canton (General Lines Agency)
- SHINN & ASSOCIATES INSURANCE AGENCY, INC., Canton (General Lines Agency)
- STEPHANIE SMITH INSURANCE AGENCY LLC, Canton (General Lines Agency)
- TA HALE, LLC, Canton (General Lines Agency)
- TANYA BOYD & ASSOCIATES, LLC, Canton (General Lines Agency)
- TAYLOR SHAFER INSURANCE AGENCY LLC, Wills Point (General Lines Agency)
- TEXAS FRIENDLY INSURANCE AGENCY, INC., Edgewood (General Lines Agency)
- THURSTON HOLDINGS LLC, Wills Point (General Lines Agency)
- TIM JAMES AGENCY L.L.C., Canton (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)