Home Insurance in Edgewood, Texas
The median home value in Edgewood is $225,000, close to the Van Zandt County median.
The typical home in Edgewood was built around 1976. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 18% of homes were built before 1960, about 8 points above Van Zandt County's 10%.
Housing in Edgewood breaks down to 82% single-family homes and 2% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Edgewood, about 75% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 62% of occupied homes in Edgewood are owner-occupied.
75% of homes in Edgewood are primarily heated with electricity.
Van Zandt County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. 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).
1 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $225,000 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 75% |
| 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 Edgewood
- TEXAS FRIENDLY INSURANCE AGENCY, INC., Edgewood (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)