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Home Insurance in Overton, TX
See where Overton stands against county and statewide figures before you compare home insurance quotes.
$4,035/yr
About $336/mo · ~$300k-$400k dwelling class
$2,574/yr
About $214/mo after modeled shopping discount
About 36.2% below local market estimate
Overton compared with Rusk County and Texas
| Measure | Overton | Rusk County | Texas |
|---|---|---|---|
| Median home value | $115,300 | $171,300 | $283,800 |
| Median year built | 1967 | 1980 | 1992 |
| Owner-occupied homes | 66% | 79% | 63% |
| Single-family detached | 76% | 73% | 64% |
| Built before 1980 | 71% | 49% | 33% |
| Built 2000 or later | 15% | 26% | 39% |
| Manufactured homes | 6% | 19% | 6% |
Overton’s homes skew older than the county as a whole: median year built 1967, compared with 1980 across Rusk County. Owner-occupancy is lower than the county figure (66% versus 79%). Manufactured homes are less common in Overton (6% of units) than across Rusk County (19%).
The median owner-estimated home value in Overton is $115,300. That is below the Rusk County median of $171,300. 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.
Weather risk in Rusk County, rated
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Relatively Low | 56 hail reports |
| Tornadoes | Relatively Moderate | 17 tornadoes |
| Strong wind | Relatively High | 188 thunderstorm wind reports |
| Inland flooding | Relatively Low | 33 flash floods |
| Hurricanes | Relatively Low | – |
| Wildfire | Relatively Low | – |
| Winter weather | Relatively Moderate | – |
| Drought | Relatively Moderate | – |
| Lightning | Relatively Moderate | – |
Rusk County lands in the relatively low category of FEMA’s National Risk Index. Its leading hazards, by rating, are strong wind (relatively high), tornadoes (relatively moderate) and winter weather (relatively moderate).
FEMA has issued 10 natural-hazard major disaster declarations covering Rusk County since 2000. Among the most recent are Hurricane Beryl (2024), Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024) and Severe Winter Storms (2021).
Coverage takeaways for Overton
- Rusk County is outside TWIA’s designated catastrophe area, so wind and hail are normally covered by the homeowners policy itself, often with a separate percentage deductible.
- NFIP flood policies are available in Overton, a participating community. Its flood map now in force took effect in September 2010. NFIP data counts 57 residential flood policies in Rusk County, about 1 for every 316 homes. NFIP records show 10 flood claims in the county since 2016. Flood needs its own policy, and buying one right before a storm will not help because of the usual 30-day wait.
- 1967 is the median year built for housing units in Overton. About 71% of homes went up before 1980, while 15% were built in 2000 or later. For older houses, rebuilding to current code can cost more than the original structure, which is why ordinance or law coverage is worth pricing.
Where to verify Overton details
The Rusk County appraisal district (www.ruskcad.org) publishes the square footage, year built and improvements insurers use to estimate rebuild cost. Its office is at 107 N. Van Buren St. Henderson, TX 75652-3113. Severe weather warnings for Overton come from the NWS Shreveport, LA office. The associated NEXRAD radar is KSHV.
County figures on this page refer to Rusk County, which holds the largest share of Overton; it also extends into Smith County. The Longview metro reaches out to include Rusk County. The nearest bigger city is Tyler, about 20 miles from Overton as the crow flies.
FAQ: Overton home insurance
What natural hazards affect Overton homes most?
FEMA’s National Risk Index rates overall risk in Rusk County as relatively low. The top-rated hazards are strong wind (relatively high), tornadoes (relatively moderate) and winter weather (relatively moderate). Flood is the one that needs its own policy; the others are generally covered perils with deductibles.
Can I get competitive quotes in Overton from carriers outside the area?
Yes. Pricing depends on your address and home, not the agent’s office. Whether you are in Overton or Tyler, about 20 miles away, an independent agency can shop multiple carriers remotely.
What is a typical savings range when switching?
Our illustrative TX Insurance Resources estimate for Overton reflects a modeled 36.2% improvement versus the local market anchor. It is an estimate for comparison only; real results vary by home, coverage and carrier.
Is homeowners coverage mandatory for Overton homeowners?
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.
Request an Overton homeowners quote
One call to 800-875-4711 or a short online form gets several carriers working on your quote.
Sources for this Overton page
Figures were retrieved in October 2026 and are estimates with margins of error. Premium figures in the estimate cards are illustrative models, not quotes.
- FEMA declared disasters, Rusk County
- National Risk Index (FEMA), Rusk County
- Census CBSA delineation
- Census Gazetteer coordinates
- Texas Windstorm Insurance Association
- Storm Events Database (NOAA), Rusk County
- American Community Survey 2020–2024, Overton city: year built, structure type, home value, median year built, tenure, population
- NWS Shreveport, LA
- OpenFEMA flood insurance data, Rusk County
- Texas Comptroller regions
- FEMA Community Status Book
- Benchmarks: Rusk County value, Rusk County build year, Texas value
- Comptroller county directory, Rusk County