Home Insurance in Mineola, Texas
With a median home value of $215,700, Mineola is close to the Wood 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 Mineola was built around 1978. About 22% of homes were built before 1960, about 11 points above Wood County's 11%.
In Mineola, the housing stock is 72% single-family homes, 15% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 30% of owner-occupied homes in Mineola have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 56% of occupied homes in Mineola are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Mineola, 64% of homes are primarily heated with electricity.
Wood County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. Wood County had 69 active NFIP flood policies as of September 2026. See the full Wood County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Texas is $2,864 per year, according to the NAIC homeowners insurance report (2023 data).
4 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $215,700 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 30% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Wood County | 69 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Mineola
- DUNAHOE INSURANCE AGENCY INC, Mineola (General Lines Agency)
- RENEW CONSULTING GROUP LLC, Mineola (General Lines Agency)
- RENEW CONSULTING GROUP LLC, Mineola (Pers Lines Prop and Cas Agency)
- THE PECKHAM GROUP LLC, Mineola (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)