Home Insurance in Burton, Texas
Homes in Burton carry a median value of $275,000 - close to the Washington County median.
The typical home in Burton was built around 1953. About 59% of homes were built before 1960, about 43 points above Washington County's 16%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Burton breaks down to 98% single-family homes and 2% mobile or manufactured homes.
In Burton, about 28% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 37%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 84% of occupied homes in Burton are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 61% of homes in Burton are primarily heated with electricity.
FEMA rates Washington County's overall risk as Relatively Low, led by hurricane (Relatively Moderate). Washington County had 197 active NFIP flood policies as of September 2026. See the full Washington 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).
This area lists 1 licensed insurance agencies.
Key figures
| Median home value | $275,000 |
|---|---|
| Median year built | 1953 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 28% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Washington County | 197 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Burton
- JAMES STOLZ INSURANCE, LLC, Burton (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)