Home / Texas Home Insurance Locations / New Boston
Home Insurance in New Boston, TX
Shopping for coverage in New Boston? Work through these steps in order and you will compare quotes on equal terms.
A six-step plan for insuring a New Boston home
- Start with the appraisal record. Your property record, including square footage and year built, is on the Bowie appraisal district site at www.bowieappraisal.com (phone 903-793-8936). You can also visit the office at 122 Plaza W., Suite A Texarkana, TX 75501-5917.
- Price the rebuild, not the sale. The typical owner-occupied home in New Boston is valued at about $111,500. The county-wide figure is higher, at $173,000. Keep in mind that Coverage A should follow rebuilding cost, not sale price, since the lot itself does not burn or blow away.
- Choose a wind and hail deductible. NOAA’s Storm Events Database logs 48 hail reports in Bowie County from 2016 through 2025. Of these, 30 reached at least one inch in diameter. The top report was 1.75-inch hail on May 9, 2016. Ask each carrier for quotes at two deductible levels so the trade-off is visible.
- Sort out windstorm coverage. Wind coverage in Bowie County stays inside the homeowners policy because the county is outside TWIA’s coastal territory; compare the wind/hail deductible on every quote.
- Decide on flood coverage. NFIP flood policies are available in New Boston, a participating community. Its flood map now in force took effect in October 2010. In Bowie County, roughly 1 home in 148 has federal flood coverage (215 residential policies in force). NFIP records show 54 flood claims in the county since 2016. Remember that flood is excluded from homeowners policies and NFIP coverage usually starts 30 days after purchase. You can check your flood zone by address at the FEMA Flood Map Service Center.
- 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 New Boston quotes at once; start a quote here.
$3,787/yr
About $316/mo · ~$300k-$400k dwelling class
$2,450/yr
About $204/mo after modeled shopping discount
About 35.3% below local market estimate
Local figures for your New Boston quote
FEMA’s county-level National Risk Index puts Bowie County in the relatively low band overall. The individual hazards that stand out are ice storms (very high), hail (relatively high) and tornadoes (relatively high).
New Boston and its housing
Bowie County is home to New Boston. In the federal metro delineation, Bowie County anchors the Texarkana-AR metro. New Boston lies north of Longview, around 68 miles away in a straight line.
About 74% of homes in New Boston are detached single-family houses; owners occupy 66% of the occupied units. Half of the housing in New Boston dates from 1978 or earlier, per Census estimates. Roughly 53% of the housing stock predates 1980 and 17% is from 2000 onward.
New Boston is covered by the NWS Shreveport, LA forecast office, which issues local watches and warnings. The associated NEXRAD radar is KSHV.
Before you buy in New Boston
How often should I shop coverage in New Boston?
Yearly is a good habit, plus whenever your premium jumps, you finish a remodel or you replace the roof.
Does homeowners insurance cover tornado damage in New Boston?
Yes, tornado damage is covered as windstorm, subject to your wind and hail deductible. NOAA records show 11 tornadoes in Bowie County from 2016 through 2025, so confirm your dwelling and loss-of-use limits would cover a full rebuild.
Can I get competitive quotes in New Boston from carriers outside the area?
Yes. Pricing depends on your address and home, not the agent’s office. Whether you are in New Boston or Longview, about 68 miles away, an independent agency can shop multiple carriers remotely.
Is homeowners coverage mandatory for New Boston homeowners?
Texas does not mandate homeowners insurance, yet nearly every mortgage requires it. Owners without a loan still carry the full cost of a fire, hail or theft loss if uninsured.
Compare New Boston home insurance quotes
Compare carriers with Texas Insurance Resources. Call 800-875-4711 or request a quote online.
Sources for this New Boston page
Data reflects the most recent releases available in October 2026; survey figures carry margins of error. Premium figures in the estimate cards are illustrative models, not quotes.
- NWS Shreveport, LA
- Comptroller economic regions
- FEMA NRI county ratings, Bowie County
- Comparison figures: Bowie County value, Bowie County build year
- Census Bureau ACS five-year data, New Boston city: home value, population, structure type, median year built, tenure, year built
- Disaster declarations (FEMA), Bowie County
- NOAA Storm Events Database, Bowie County
- FEMA Community Status Book
- OMB metro and micro areas
- Census Gazetteer coordinates
- Texas property tax directory, Bowie County
- Texas Windstorm Insurance Association
- OpenFEMA flood insurance data, Bowie County