Home Insurance in Winnsboro, Texas
The median home value in Winnsboro is $172,000, 21% lower than the Wood County median.
The typical home in Winnsboro was built around 1971. About 34% of homes were built before 1960, about 23 points above Wood County's 11%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Winnsboro, the housing stock is 76% single-family homes, 16% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 53% of owner-occupied homes in Winnsboro have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Winnsboro has an owner-occupancy rate of 53% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in Winnsboro - 61% - 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.
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.
5 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $172,000 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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 Winnsboro
- HAZLEWOOD GROUP, LLC, Winnsboro (General Lines Agency)
- HAZLEWOOD INSURANCE AGENCY LLC, Winnsboro (General Lines Agency)
- N D SIMONS COMPANY, Winnsboro (General Lines Agency)
- SAFFE PROPERTY & CASUALTY, LP, Winnsboro (General Lines Agency)
- THE RBD GROUP, LLC, Winnsboro (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)