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Home Insurance in Corsicana, TX
How Corsicana homes and hazards compare with Navarro County and Texas as a whole, and what the differences mean for your policy.
$4,814/yr
About $401/mo · ~$300k-$400k dwelling class
$2,999/yr
About $250/mo after modeled shopping discount
About 37.7% below local market estimate
How Corsicana homes compare
| Measure | Corsicana | Navarro County | Texas |
|---|---|---|---|
| Median home value | $168,900 | $172,600 | $283,800 |
| Median year built | 1974 | 1983 | 1992 |
| Owner-occupied homes | 55% | 69% | 63% |
| Single-family detached | 70% | 68% | 64% |
| Built before 1980 | 66% | 47% | 33% |
| Built 2000 or later | 11% | 27% | 39% |
| Manufactured homes | 6% | 19% | 6% |
Corsicana’s homes skew older than the county as a whole: median year built 1974, compared with 1983 across Navarro County. 55% of occupied homes are owner-occupied in Corsicana, below the Navarro County share of 69%. Manufactured homes are less common in Corsicana (6% of units) than across Navarro County (19%).
Census data shows a median home value of $168,900 in Corsicana. It tracks the county median of $172,600 fairly closely. Market value includes land and location, so it is not the same as the cost to rebuild; insure the dwelling to a replacement-cost estimate instead.
Weather risk in Navarro County, rated
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Relatively Moderate | 46 hail reports |
| Tornadoes | Relatively High | 10 tornadoes |
| Strong wind | Relatively High | 48 thunderstorm wind reports |
| Inland flooding | Relatively Low | 17 flash floods |
| Hurricanes | Relatively Low | – |
| Wildfire | Relatively Low | – |
| Winter weather | Relatively Low | – |
| Drought | Relatively Low | – |
| Lightning | Relatively Moderate | – |
FEMA’s county-level National Risk Index puts Navarro County in the relatively low band overall. The individual hazards that stand out are tornadoes (relatively high), strong wind (relatively high) and hail (relatively moderate).
Counting from 2000, 10 major disaster declarations for natural hazards have included Navarro County. Recent ones: Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024), Severe Winter Storms (2021) and Severe Storms and Flooding (2016).
Coverage takeaways for Corsicana
- TWIA does not write in Navarro County; wind and hail claims go through your regular homeowners policy, which may carry its own wind/hail deductible.
- NFIP flood policies are available in Corsicana, a participating community. The flood insurance rate map in effect was issued in June 2012. NFIP data counts 143 residential flood policies in Navarro County, about 1 for every 150 homes. Navarro County has produced 10 NFIP claims from 2016 on. Remember that flood is excluded from homeowners policies and NFIP coverage usually starts 30 days after purchase.
- Census estimates put the median construction year for homes in Corsicana at 1974. About 66% of homes went up before 1980, while 11% were built in 2000 or later. Some carriers limit how old a home or its systems can be, so receipts for a recent roof, rewiring or plumbing work are worth keeping handy.
Local offices and records
Insurers often check the appraisal district record, so confirm that what the Navarro district shows at www.navarrocad.com matches your home. Its office is at 1250 N. 45th St. Corsicana, TX 75110-3172. For local warnings, the responsible National Weather Service office is NWS Fort Worth/Dallas, TX. The radar the weather service assigns to this point is KFWS.
For county-level data, Corsicana falls under Navarro County. Federal definitions group Navarro County into the Corsicana micropolitan area. Measured point to point, Corsicana sits roughly 47 miles south of Mesquite.
Questions Corsicana homeowners ask
What natural hazards affect Corsicana homes most?
FEMA’s National Risk Index rates overall risk in Navarro County as relatively low. Its standout hazards are tornadoes (relatively high), strong wind (relatively high) and hail (relatively moderate). Use that list to decide where higher limits or a lower deductible are worth the premium.
Do I need a local agent for a Corsicana home?
No. Corsicana is about 47 miles south of Mesquite, and carriers rate by address, not by where the agent sits. An independent agency can compare several carriers for your exact location by phone or online.
Is home insurance required in Corsicana?
No Texas law requires it, but mortgage lenders almost always do, and they can buy costly force-placed coverage if your policy lapses.
Is the median home value in Corsicana the right dwelling limit?
Usually not. The median owner-estimated value in Corsicana is $168,900, yet that number includes land and location. Carriers estimate replacement cost from size, construction and finishes, and that is what the dwelling limit should follow.
Ready to price your Corsicana home?
Talk to a licensed Texas Insurance Resources agent at 800-875-4711, or get a quote online.
Data sources and notes
All public data on this page was pulled in October 2026. Census numbers are survey estimates. The two price cards are modeled estimates from Texas Insurance Resources, not quotes.
- NWS Fort Worth/Dallas, TX
- Comptroller economic regions
- Disaster declarations (FEMA), Navarro County
- NFIP data (OpenFEMA), Navarro County
- FEMA NRI county ratings, Navarro County
- Community Status Book (NFIP)
- NOAA Storm Events Database, Navarro County
- OMB metro and micro areas
- Census Gazetteer coordinates
- Texas Windstorm Insurance Association
- Benchmarks: Navarro County value, Navarro County build year, Texas value
- Comptroller CAD listing, Navarro County
- American Community Survey 2020–2024, Corsicana city: median year built, population, tenure, home value, year built, structure type