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Home Insurance in Mount Pleasant, TX
How Mount Pleasant homes and hazards compare with Titus County and Texas as a whole, and what the differences mean for your policy.
$5,005/yr
About $417/mo · ~$300k-$400k dwelling class
$2,933/yr
About $244/mo after modeled shopping discount
About 41.4% below local market estimate
Mount Pleasant compared with Titus County and Texas
| Measure | Mount Pleasant | Titus County | Texas |
|---|---|---|---|
| Median home value | $170,700 | $174,000 | $283,800 |
| Median year built | 1978 | 1985 | 1992 |
| Owner-occupied homes | 58% | 71% | 63% |
| Single-family detached | 71% | 71% | 64% |
| Built before 1980 | 54% | 41% | 33% |
| Built 2000 or later | 19% | 25% | 39% |
| Manufactured homes | 4% | 14% | 6% |
Mount Pleasant’s homes skew older than the county as a whole: median year built 1978, compared with 1985 across Titus County. 58% of occupied homes are owner-occupied in Mount Pleasant, below the Titus County share of 71%. Manufactured homes are less common in Mount Pleasant (4% of units) than across Titus County (14%).
Census data shows a median home value of $170,700 in Mount Pleasant. Titus County as a whole is in the same range, at $174,000. Sale prices and rebuild costs can diverge in either direction, which is why carriers run their own replacement-cost estimate for the dwelling limit.
Titus County hazards and storm counts
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Relatively Moderate | 23 hail reports |
| Tornadoes | Relatively Moderate | 1 tornadoes |
| Strong wind | Relatively Moderate | 29 thunderstorm wind reports |
| Inland flooding | Very Low | 5 flash floods |
| Hurricanes | Very Low | – |
| Wildfire | Relatively Low | – |
| Winter weather | Relatively Low | – |
| Drought | Relatively Moderate | – |
| Lightning | Relatively Low | – |
FEMA’s county-level National Risk Index puts Titus County in the relatively low band overall. Hazard by hazard, the strongest scores are for ice storms (relatively high), hail (relatively moderate) and tornadoes (relatively moderate).
Titus County appears in 8 presidential major disaster declarations for weather and other natural hazards from 2000 onward. The most recent include Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024), Severe Winter Storms (2021) and Severe Winter Storms, Tornadoes, Straight-line Winds, and Flooding (2016).
Coverage takeaways for Mount Pleasant
- Since Titus 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. The effective FEMA flood map for the community is from September 2010. Across Titus County, 25 residential NFIP policies were in force, roughly 1 for every 420 homes. A homeowners policy will not pay for rising water; flood is a separate policy, and NFIP coverage typically takes 30 days to begin.
- 1978 is the median year built for housing units in Mount Pleasant. 19% of local homes are from 2000 or later, compared with 54% built before 1980. 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 Mount Pleasant details
Square footage and build year on file with the Titus appraisal district (www.titus-cad.org) feed straight into replacement-cost estimates, so check them for errors. Its office is at 2404 W. Ferguson Road Mount Pleasant, TX 75455-2944. Severe weather warnings for Mount Pleasant come from the NWS Shreveport, LA office. The associated NEXRAD radar is KSHV.
The county for Mount Pleasant is Titus County. Titus County is counted in the Mount Pleasant micro area, a smaller regional hub. By straight-line distance, Mount Pleasant is about 46 miles north of Longview.
Mount Pleasant coverage questions
How risky is Titus County for natural hazards?
Titus County is rated relatively low overall in FEMA’s National Risk Index. The highest individual ratings are for ice storms (relatively high), hail (relatively moderate) and tornadoes (relatively moderate). Flood is the one that needs its own policy; the others are generally covered perils with deductibles.
Do I need a local agent for a Mount Pleasant home?
No. Mount Pleasant is about 46 miles north of Longview, 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.
What coverage do landlords and tenants need in Mount Pleasant?
Renters occupy about 42% of homes in Mount Pleasant. 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.
How many major disasters has Titus County seen?
Titus County has been included in 8 natural-hazard major disaster declarations since 2000. The most recent was Severe Storms, Straight-line Winds, Tornadoes, and Flooding, declared in May 2024. Disaster aid rarely covers a full rebuild, which is why adequate limits matter.
Get a Mount Pleasant home insurance quote
Texas Insurance Resources shops multiple carriers for you. Call 800-875-4711 or start online.
Sources for this Mount Pleasant page
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.
- Benchmarks: Titus County value, Titus County build year, Texas value
- Census Bureau ACS five-year data, Mount Pleasant city: home value, population, median year built, year built, tenure, structure type
- NWS Shreveport, LA
- Census CBSA delineation
- Census Gazetteer coordinates
- Disaster declarations (FEMA), Titus County
- OpenFEMA NFIP data, Titus County
- Texas Windstorm Insurance Association
- NOAA NCEI storm reports, Titus County
- National Risk Index (FEMA), Titus County
- Texas property tax directory, Titus County
- FEMA Community Status Book
- Comptroller economic regions