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Home Insurance in Gilmer, TX
A practical plan for buying home insurance in Gilmer: the records to pull, the limits to set and the local risks to price in.
A six-step plan for insuring a Gilmer home
- Gather your home’s details. Your property record, including square footage and year built, is on the Upshur appraisal district site at www.upshur-cad.org (phone 903-843-3041). You can also visit the office at 105 Diamond Loch Rd. Gilmer, TX 75644-9372.
- Size Coverage A correctly. The median owner-estimated home value in Gilmer is $166,700. Upshur County as a whole is in the same range, at $167,800. 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.
- Choose a wind and hail deductible. Over the ten years from 2016 to 2025, NOAA recorded 27 hail events across Upshur County. Of these, 23 reached at least one inch in diameter. The top report was 3.5-inch hail on April 11, 2016. A higher deductible lowers premium, but make sure you could pay it after a storm.
- Check the wind arrangement. There is no TWIA option in Upshur County, so the homeowners carrier handles wind and hail, and its deductible for those perils can differ from the all-other-perils deductible.
- Do not skip the flood question. Because Gilmer is an NFIP participating community, homeowners can buy National Flood Insurance Program coverage. Its current effective flood map dates to October 2010. In Upshur County, roughly 1 home in 486 has federal flood coverage (31 residential policies in force). Since homeowners forms exclude flood, plan ahead: most NFIP policies only take effect after a 30-day waiting period. Search the FEMA Flood Map Service Center by street address to find your zone.
- Compare apples to apples. Ask every carrier to quote the same dwelling limit, deductibles and endorsements, then compare price and claim terms. An independent agency can run several Gilmer quotes at once; start a quote here.
$4,831/yr
About $403/mo · ~$300k-$400k dwelling class
$3,005/yr
About $250/mo after modeled shopping discount
About 37.8% below local market estimate
Local figures for your Gilmer quote
The National Risk Index from FEMA scores Upshur County as relatively low for combined natural-hazard risk. The highest-rated individual hazards are tornadoes (relatively high), strong wind (relatively high) and ice storms (relatively high).
Getting to know Gilmer
The county for Gilmer is Upshur County. Upshur County counts as an outlying county of the Longview metro area. Measured point to point, Gilmer sits roughly 18 miles northwest of Longview.
Detached houses represent about 63% of the housing in Gilmer, where 56% of households own their home. Line up every home in Gilmer by age and the one in the middle was built in 1975. Homes built before 1980 make up about 57% of the total; those built since 2000 account for 18%.
The NWS Shreveport, LA office handles forecasts and storm warnings for Gilmer. The radar the weather service assigns to this point is KSHV.
Gilmer quote questions
When is the best time to compare home insurance in Gilmer?
Yearly is a good habit, plus whenever your premium jumps, you finish a remodel or you replace the roof.
Do I have to carry homeowners insurance in Gilmer?
State law does not require it. Your lender will, though, and if coverage lapses the lender can place a policy for you that usually costs more and covers less.
Do renters and landlords in Gilmer need different policies?
Yes. About 44% of occupied homes in Gilmer are renter-occupied, per Census estimates. Tenants need a renters policy for belongings and liability, while owners who lease a home usually need a landlord (dwelling fire) policy instead of a standard homeowners form.
Does my Gilmer policy cover a burst pipe after a freeze?
Generally yes, if a pipe bursts suddenly and you kept the home reasonably heated. FEMA rates winter weather risk in Upshur County as relatively moderate. Slow leaks, mold and wear are commonly excluded.
Compare Gilmer home insurance quotes
Compare carriers with Texas Insurance Resources. Call 800-875-4711 or request a quote online.
Sources for this Gilmer page
Data reflects the most recent releases available in October 2026; survey figures carry margins of error. Price estimates near the top are Texas Insurance Resources models for comparison, not quotes or published averages.
- TWIA coverage area
- Texas property tax directory, Upshur County
- American Community Survey 2020–2024, Gilmer city: median year built, tenure, structure type, population, year built, home value
- OpenFEMA flood insurance data, Upshur County
- FEMA Community Status Book
- Texas Comptroller regions
- NWS Shreveport, LA
- County and state comparisons: Upshur County value, Upshur County build year
- Storm Events Database (NOAA), Upshur County
- National Risk Index (FEMA), Upshur County
- Disaster declarations (FEMA), Upshur County
- Census metro delineation
- Census Gazetteer coordinates