Home Insurance in Huntsville, Texas
Homes in Huntsville carry a median value of $236,600 - close to the Walker County median.
The typical home in Huntsville was built around 1986. About 5% of homes were built before 1960, in line with Walker County (5%). Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Huntsville is 47% single-family homes, 34% apartments in buildings with 5+ units and 8% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 53% of owner-occupied homes in Huntsville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 41% of occupied homes in Huntsville are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
69% of homes in Huntsville are primarily heated with electricity.
What's the biggest home insurance risk near Huntsville? FEMA's National Risk Index points to tornado (Relatively High) in Walker County and Walker County had 475 active NFIP flood policies as of September 2026. See the full Walker 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).
14 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $236,600 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 41% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Walker County | 475 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Huntsville
- 4E INSURANCE GROUP LLC, Huntsville (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)
- GOOD COMPANY INSURANCE AGENCY LLC, Huntsville (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)
- 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
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)