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Home Insurance in Center, TX
See where Center stands against county and statewide figures before you compare home insurance quotes.
$4,234/yr
About $353/mo · ~$300k-$400k dwelling class
$2,667/yr
About $222/mo after modeled shopping discount
About 37% below local market estimate
How Center homes compare
| Measure | Center | Shelby County | Texas |
|---|---|---|---|
| Median home value | – | $101,500 | $283,800 |
| Median year built | 1982 | 1984 | 1992 |
| Owner-occupied homes | 56% | 74% | 63% |
| Single-family detached | 66% | 60% | 64% |
| Built before 1980 | 44% | 43% | 33% |
| Built 2000 or later | 21% | 26% | 39% |
| Manufactured homes | 13% | 32% | 6% |
By median build year, Center (1982) and Shelby County (1984) are similar. 56% of occupied homes are owner-occupied in Center, below the Shelby County share of 74%. Manufactured homes are less common in Center (13% of units) than across Shelby County (32%).
Survey samples in Center are small, so use the Shelby County median home value of $101,500 as a rough guide. Land value is part of a sale price but not of a rebuild, so the right Coverage A figure can be well above or below market value.
Shelby County hazards and storm counts
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Relatively Low | 27 hail reports |
| Tornadoes | Relatively Moderate | 11 tornadoes |
| Strong wind | Relatively High | 48 thunderstorm wind reports |
| Inland flooding | Relatively Low | 19 flash floods |
| Hurricanes | Relatively Moderate | – |
| Wildfire | Relatively Low | – |
| Winter weather | Relatively Low | – |
| Drought | Relatively Moderate | – |
| Lightning | Relatively Moderate | – |
Shelby County lands in the relatively low category of FEMA’s National Risk Index. The individual hazards that stand out are strong wind (relatively high), tornadoes (relatively moderate) and hurricanes (relatively moderate).
Natural hazards have put Shelby County in 11 federal major disaster declarations since 2000. The latest declarations were Hurricane Beryl (2024), Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024) and Severe Winter Storms (2021).
Coverage takeaways for Center
- There is no TWIA option in Shelby County, so the homeowners carrier handles wind and hail, and its deductible for those perils can differ from the all-other-perils deductible.
- The city takes part in the National Flood Insurance Program, which makes federal flood policies available. The effective FEMA flood map for the community is from May 2026. Flood coverage is far from universal: 23 residential NFIP policies in Shelby County, or about 1 per 416 homes. Flood needs its own policy, and buying one right before a storm will not help because of the usual 30-day wait.
- The median home in Center was built in 1982. Pre-1980 houses are about 44% of the stock, and post-2000 houses about 21%. Original water heaters and supply lines in homes of this age are a frequent source of water claims, so replacing them can make a home easier to insure.
Where to verify Center details
Insurers often check the appraisal district record, so confirm that what the Shelby district shows at www.shelbycad.com matches your home. The district office address is 724 Shelbyville St. Center, TX 75935-3736. The NWS Shreveport, LA office handles forecasts and storm warnings for Center. The radar the weather service assigns to this point is KSHV.
Center sits within Shelby County. Shelby County is outside any federally defined metro or micro area. Center lies southeast of Longview, around 61 miles away in a straight line.
Questions Center homeowners ask
Which weather risks matter for insuring a home in Center?
FEMA’s National Risk Index rates overall risk in Shelby County as relatively low. Its standout hazards are strong wind (relatively high), tornadoes (relatively moderate) and hurricanes (relatively moderate). Use that list to decide where higher limits or a lower deductible are worth the premium.
How often has Shelby County had federal disaster declarations?
Since 2000, FEMA has declared 11 natural-hazard major disasters that include Shelby County. The most recent was Hurricane Beryl, declared in July 2024. Disaster aid rarely covers a full rebuild, which is why adequate limits matter.
What is a typical savings range when switching?
The estimate cards above model about 37% below the local market figure for Center. Treat it as illustrative; your quote depends on the home, roof, claims history and deductible.
What coverage do landlords and tenants need in Center?
Renters occupy about 44% of homes in Center. Landlords generally need a DP-1, DP-2 or DP-3 dwelling policy, and tenants need renters insurance, because the landlord’s policy does not cover a tenant’s belongings.
Ready to price your Center home?
Texas Insurance Resources shops multiple carriers for you. Call 800-875-4711 or start online.
Sources for this Center page
All public data on this page was pulled in October 2026. Census numbers are survey estimates. Premium figures in the estimate cards are illustrative models, not quotes.
- NOAA Storm Events Database, Shelby County
- NFIP Community Status Book
- Texas Windstorm Insurance Association
- Disaster declarations (FEMA), Shelby County
- Census metro delineation
- Census Gazetteer coordinates
- County and state comparisons: Shelby County value, Shelby County build year, Texas value
- Census Bureau ACS five-year data, Center city: tenure, home value, median year built, population, year built, structure type
- NWS Shreveport, LA
- Texas Comptroller regions
- FEMA National Risk Index, Shelby County
- Comptroller CAD listing, Shelby County
- OpenFEMA flood insurance data, Shelby County