Home Insurance in Canton, Texas
With a median home value of $219,900, Canton is close to the Van Zandt County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Canton was built around 1978. About 10% of homes were built before 1960, in line with Van Zandt County (10%).
In Canton, the housing stock is 79% single-family homes and 12% apartments in buildings with 5+ units.
In Canton, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 68% of occupied homes in Canton are owner-occupied.
Most homes in Canton - 81% - are primarily heated with electricity.
FEMA rates Van Zandt County's overall risk as Relatively Low, led by strong wind (Relatively High). Van Zandt County had 134 active NFIP flood policies as of September 2026. See the full Van Zandt County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Texas is $2,864 per year, according to the NAIC homeowners insurance report (2023 data).
6 licensed insurance agencies serve this area.
Key figures
| Median home value | $219,900 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Van Zandt County | 134 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Canton
- 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)
- 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
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)