Home Insurance in Walker County, Texas
With a median home value of $226,900, Walker County is 20% 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 Walker County was built around 1989. About 5% of homes were built before 1960, about 8 points below Texas's 12%.
The housing stock in Walker County is 54% single-family homes, 21% apartments in buildings with 5+ units and 17% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 48% of owner-occupied homes in Walker County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Walker County has an owner-occupancy rate of 56% and a vacancy rate of 14%; 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. 72% of homes in Walker County are primarily heated with electricity.
Per FEMA's National Risk Index, Walker County's top hazards are tornado (Relatively High), hurricane (Relatively Moderate) and wildfire (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Walker County has 475 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.
19 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $226,900 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively High), Hurricane (Relatively Moderate), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 475 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Walker County
- 4E INSURANCE GROUP LLC, Huntsville (General Lines Agency)
- AFFORDABLE INDIVIDUAL MEDICAL INSURANCE AGENCY, INC., New Waverly (General Lines Agency)
- ALL ACCESS BOOKKEEPING AND TAX SERVICES INC, Huntsville (General Lines Agency)
- ANN MOORE LLC, Huntsville (General Lines Agency)
- CERTA & SMITH INSURANCE, Huntsville (General Lines Agency)
- CHRIS BATTEN AGENCY P.C., Huntsville (General Lines Agency)
- DAVIS WEALTH AND RISK MANAGEMENT INC, Huntsville (General Lines Agency)
- DOLLEY INSURANCE GROUP LLC, New Waverly (General Lines Agency)
- GOOD COMPANY INSURANCE AGENCY LLC, Huntsville (General Lines Agency)
- GREGORY INSURANCE SERVICES, LLC, New Waverly (General Lines Agency)
- GUS HERNANDEZ INSURANCE AGENCY INC., Huntsville (General Lines Agency)
- JOE MONTELEONE INSURANCE AGENCY INC., Huntsville (General Lines Agency)
- KING INSURANCE SOLUTIONS LLC, Huntsville (General Lines Agency)
- LONE STAR EDUCATORS AGENCY INC, Huntsville (General Lines Agency)
- RISK ASSURE GROUP, L.L.C., New Waverly (General Lines Agency)
- TEXAS PRIDE INSURANCE GROUP LLC, New Waverly (General Lines Agency)
- THOMAS LUCHER INSURANCE AGENCY, LLC, Huntsville (General Lines Agency)
- WHARTON INSURANCE INVESTMENTS NETWORK, INC., Huntsville (General Lines Agency)
- YOUNG INSURANCE SERVICES INC., Huntsville (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)