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Home Insurance in Longview, TX
How Longview homes and hazards compare with Gregg County and Texas as a whole, and what the differences mean for your policy.
$4,741/yr
About $395/mo · ~$300k-$400k dwelling class
$2,845/yr
About $237/mo after modeled shopping discount
About 40% below local market estimate
Longview, Gregg County and Texas side by side
| Measure | Longview | Gregg County | Texas |
|---|---|---|---|
| Median home value | $202,600 | $203,400 | $283,800 |
| Median year built | 1978 | 1980 | 1992 |
| Owner-occupied homes | 55% | 60% | 63% |
| Single-family detached | 62% | 64% | 64% |
| Built before 1980 | 55% | 50% | 33% |
| Built 2000 or later | 20% | 22% | 39% |
| Manufactured homes | 3% | 8% | 6% |
By median build year, Longview (1978) and Gregg County (1980) are similar.
Median home value: $202,600, according to the latest five-year Census survey. Gregg County as a whole is in the same range, at $203,400. Your dwelling limit should be built from square footage, materials and local labor costs rather than what the house would sell for.
Gregg County hazards and storm counts
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Relatively High | 36 hail reports |
| Tornadoes | Relatively High | 7 tornadoes |
| Strong wind | Relatively High | 56 thunderstorm wind reports |
| Inland flooding | Relatively Moderate | 41 flash floods |
| Hurricanes | Relatively Low | – |
| Wildfire | Very Low | – |
| Winter weather | Relatively Moderate | – |
| Drought | Relatively Moderate | – |
| Lightning | Relatively Moderate | – |
The National Risk Index from FEMA scores Gregg County as relatively moderate for combined natural-hazard risk. Among individual perils, the top ratings go to ice storms (very high), hail (relatively high) and tornadoes (relatively high).
Natural hazards have put Gregg County in 8 federal major disaster declarations since 2000. Among the most recent are Hurricane Beryl (2024), Severe Winter Storms (2021) and Severe Storms, Tornadoes, and Flooding (2016).
Coverage takeaways for Longview
- Since Gregg County is not a TWIA county, look at how your homeowners policy handles wind and hail, including whether that deductible is a flat amount or a percentage of the dwelling limit.
- The city takes part in the National Flood Insurance Program, which makes federal flood policies available. Its flood map now in force took effect in September 2014. In Gregg County, roughly 1 home in 163 has federal flood coverage (258 residential policies in force). Policyholders in the county have filed 60 NFIP claims since 2016. Since homeowners forms exclude flood, plan ahead: most NFIP policies only take effect after a 30-day waiting period.
- Line up every home in Longview by age and the one in the middle was built in 1978. The split is roughly 55% pre-1980 construction versus 20% built from 2000 on. For homes in this age range, carriers mostly focus on the roof: its age, material and any prior hail repairs.
Contacts for Longview homeowners
Square footage and build year on file with the Gregg appraisal district (www.gcad.org) feed straight into replacement-cost estimates, so check them for errors. The district office address is 4367 W. Loop 281 Longview, TX 75604-5550. Watches and warnings for Longview are issued by NWS Shreveport, LA. The radar the weather service assigns to this point is KSHV.
Longview crosses into Harrison County, but Gregg County contains most of it, so that is the county used for the data below. Federal statistical definitions place Gregg County at the core of the Longview metro area. By straight-line distance, Longview is about 118 miles east of Dallas.
FAQ: Longview home insurance
What natural hazards affect Longview homes most?
FEMA’s National Risk Index rates overall risk in Gregg County as relatively moderate. The top-rated hazards are ice storms (very high), hail (relatively high) and tornadoes (relatively high). Use that list to decide where higher limits or a lower deductible are worth the premium.
How often has Gregg County had federal disaster declarations?
Gregg County has been included in 8 natural-hazard major disaster declarations since 2000. The most recent was Hurricane Beryl, declared in July 2024. FEMA assistance is capped and is not a substitute for insurance.
Is home insurance required in Longview?
No Texas law requires it, but mortgage lenders almost always do, and they can buy costly force-placed coverage if your policy lapses.
Do renters and landlords in Longview need different policies?
Yes. About 45% of occupied homes in Longview 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.
Ready to price your Longview home?
One call to 800-875-4711 or a short online form gets several carriers working on your quote.
Sources for this Longview page
Data reflects the most recent releases available in October 2026; survey figures carry margins of error. The two price cards are modeled estimates from Texas Insurance Resources, not quotes.
- Texas Comptroller regions
- NFIP Community Status Book
- FEMA declared disasters, Gregg County
- National Risk Index (FEMA), Gregg County
- Census metro delineation
- Census Gazetteer files
- NWS Shreveport, LA
- American Community Survey 2020–2024, Longview city: year built, median year built, structure type, home value, tenure, population
- Comptroller county directory, Gregg County
- Benchmarks: Gregg County value, Gregg County build year, Texas value
- NOAA NCEI storm reports, Gregg County
- Texas Windstorm Insurance Association
- NFIP data (OpenFEMA), Gregg County