Home Insurance in Florence, Texas
With a median home value of $239,100, Florence is 47% lower than the Williamson County median.
The typical home in Florence was built around 1983. About 31% of homes were built before 1960, about 28 points above Williamson County's 2%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Florence is 74% single-family homes and 23% mobile or manufactured homes.
About 49% of owner-occupied homes in Florence have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 77% of occupied homes in Florence are owner-occupied.
Most homes in Florence - 79% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Williamson County's overall risk as Relatively Moderate, led by hail (Relatively High). Williamson County had 2,018 active NFIP flood policies as of September 2026. See the full Williamson County home insurance overview for all FEMA hazard ratings and flood coverage details.
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.
Key figures
| Median home value | $239,100 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Williamson County | 2,018 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
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)