Home Insurance in Quitman, Texas
Homes in Quitman carry a median value of $192,100 - 11% lower than the Wood County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Quitman was built around 1976. About 20% of homes were built before 1960, about 9 points above Wood County's 11%.
The housing stock in Quitman is 79% single-family homes, 11% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
45% of owner-occupied homes in Quitman carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 63% of occupied homes in Quitman are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Quitman, 50% of homes are primarily heated with natural gas.
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.
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.
This area lists 4 licensed insurance agencies.
Key figures
| Median home value | $192,100 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 45% |
| 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 Quitman
- GOLD SHIELD INSURANCE AGENCY LLC, Quitman (General Lines Agency)
- J.C. FRIBOURG, LLC, Quitman (General Lines Agency)
- LAKE COUNTRY AGENCY LLC, Quitman (General Lines Agency)
- STRAZNICKY INS AGCY INC., Quitman (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)