Home Insurance in Poth, Texas
Homes in Poth carry a median value of $225,000 - 30% lower than the Wilson County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Poth was built around 1985. About 31% of homes were built before 1960, about 25 points above Wilson County's 6%.
The housing stock in Poth is 78% single-family homes and 19% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 46% of owner-occupied homes in Poth have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Poth has an owner-occupancy rate of 64% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
73% of homes in Poth are primarily heated with electricity.
Wilson County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Wilson County had 187 active NFIP flood policies as of September 2026. See the full Wilson 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 | $225,000 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Wilson County | 187 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Poth
- SEMLINGER GROUP, LLC, Poth (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)