Home Insurance in Young County, Texas
With a median home value of $175,800, Young County is 38% lower than the Texas median.
The typical home in Young County was built around 1976. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 27% of homes were built before 1960, about 15 points above Texas's 12%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Young County is 82% single-family homes, 3% apartments in buildings with 5+ units and 7% mobile or manufactured homes.
About 42% of owner-occupied homes in Young County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Young County has an owner-occupancy rate of 74% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
Most homes in Young County - 51% - 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.
The top hazards for Young County, per FEMA's National Risk Index, are wildfire (Relatively Moderate), hail (Relatively Moderate) and strong wind (Relatively Moderate).
As of September 2026, Young County has 64 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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.
7 licensed insurance agencies serve this area.
Key figures
| Median home value | $175,800 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Moderate), Hail (Relatively Moderate), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 64 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Young County
- ANGIE FORD INSURANCE AGENCY, LLC, Graham (General Lines Agency)
- BACA INSURANCE AGENCY LLC., Graham (General Lines Agency)
- BRENDAN WEATHERMAN INSURANCE AGENCY, INC., Graham (General Lines Agency)
- BRYAN INSURANCE AGENCY, LTD., Graham (General Lines Agency)
- CLULEY INSURANCE AND FINANCIAL SERVICES, INC., Graham (General Lines Agency)
- HELM INSURANCE SERVICES LLC, Graham (General Lines Agency)
- TKD MANAGEMENT & PUBLIC RELATIONS, INC., Graham (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
Sources
- 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)