Home Insurance in Wills Point, Texas
Homes in Wills Point carry a median value of $189,700 - 15% lower than the Van Zandt County median.
The typical home in Wills Point was built around 1975. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 25% of homes were built before 1960, about 15 points above Van Zandt County's 10%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Wills Point is 88% single-family homes, 3% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
About 54% of owner-occupied homes in Wills Point have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 57% of occupied homes in Wills Point are owner-occupied.
Most homes in Wills Point - 72% - 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.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
5 licensed insurance agencies serve this area.
Key figures
| Median home value | $189,700 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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 Wills Point
- 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)
- TAYLOR SHAFER INSURANCE AGENCY LLC, Wills Point (General Lines Agency)
- THURSTON HOLDINGS LLC, Wills Point (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)