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Home Insurance in Palestine, TX
Side-by-side numbers for Palestine, Anderson County and the state, covering housing, hazards and flood insurance.
$4,759/yr
About $397/mo · ~$300k-$400k dwelling class
$2,870/yr
About $239/mo after modeled shopping discount
About 39.7% below local market estimate
How Palestine homes compare
| Measure | Palestine | Anderson County | Texas |
|---|---|---|---|
| Median home value | $166,000 | $185,300 | $283,800 |
| Median year built | 1976 | 1985 | 1992 |
| Owner-occupied homes | 55% | 72% | 63% |
| Single-family detached | 68% | 66% | 64% |
| Built before 1980 | 59% | 41% | 33% |
| Built 2000 or later | 18% | 31% | 39% |
| Manufactured homes | 7% | 22% | 6% |
Palestine’s homes skew older than the county as a whole: median year built 1976, compared with 1985 across Anderson County. Owner-occupancy is lower than the county figure (55% versus 72%). Manufactured homes are less common in Palestine (7% of units) than across Anderson County (22%).
The median owner-estimated home value in Palestine is $166,000. It tracks the county median of $185,300 fairly closely. 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.
Hazard ratings for Anderson County
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Relatively Low | 45 hail reports |
| Tornadoes | Relatively High | 1 tornadoes |
| Strong wind | Relatively High | 39 thunderstorm wind reports |
| Inland flooding | Relatively Low | 16 flash floods |
| Hurricanes | Relatively Low | – |
| Wildfire | Relatively Low | – |
| Winter weather | Relatively Moderate | – |
| Drought | Relatively Low | – |
| Lightning | Relatively Moderate | – |
FEMA’s county-level National Risk Index puts Anderson County in the relatively low band overall. The individual hazards that stand out are tornadoes (relatively high), strong wind (relatively high) and ice storms (relatively high).
FEMA has issued 12 natural-hazard major disaster declarations covering Anderson County since 2000. Recent ones: Hurricane Beryl (2024), Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024) and Severe Winter Storm (2023).
What the comparison means for your policy
- Anderson 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.
- Because Palestine is an NFIP participating community, homeowners can buy National Flood Insurance Program coverage. The flood insurance rate map in effect was issued in February 2010. In Anderson County, roughly 1 home in 398 has federal flood coverage (42 residential policies in force). Policyholders in the county have filed 13 NFIP claims since 2016. Standard homeowners policies exclude flood, and a new NFIP policy generally has a 30-day waiting period.
- The median home in Palestine was built in 1976. About 59% of homes went up before 1980, while 18% were built in 2000 or later. With a stock this mature, insurers often want the roof age and the year the electrical panel and plumbing were last updated before they bind coverage.
Where to verify Palestine details
Square footage and build year on file with the Anderson appraisal district (www.andersoncad.net) feed straight into replacement-cost estimates, so check them for errors. The district office address is 801 N. Perry St. Palestine, TX 75801-2547 Collecting Unit Anderson County. For local warnings, the responsible National Weather Service office is NWS Fort Worth/Dallas, TX. The radar the weather service assigns to this point is KFWS.
Anderson County is home to Palestine. Anderson County makes up part of the Palestine micropolitan area. By straight-line distance, Palestine is about 44 miles southwest of Tyler.
FAQ: Palestine home insurance
What does FEMA’s risk index say about Anderson County?
Anderson County is rated relatively low overall in FEMA’s National Risk Index. The highest individual ratings are for tornadoes (relatively high), strong wind (relatively high) and ice storms (relatively high). Flood is the one that needs its own policy; the others are generally covered perils with deductibles.
How often has Anderson County had federal disaster declarations?
Since 2000, FEMA has declared 12 natural-hazard major disasters that include Anderson County. The most recent was Hurricane Beryl, declared in July 2024. Federal aid for homeowners is limited and often comes as SBA disaster loans, so insurance remains the main way to recover.
Can I get competitive quotes in Palestine from carriers outside the area?
Yes. Pricing depends on your address and home, not the agent’s office. Whether you are in Palestine or Tyler, about 44 miles away, an independent agency can shop multiple carriers remotely.
How much could I save by shopping my Palestine policy?
On this page we model a 39.7% gap between the local market estimate and our estimate for Palestine. It is not a quote, and actual savings can be higher, lower or zero.
Compare Palestine home insurance quotes
One call to 800-875-4711 or a short online form gets several carriers working on your quote.
Where the Palestine numbers come from
All public data on this page was pulled in October 2026. Census numbers are survey estimates. Price estimates near the top are Texas Insurance Resources models for comparison, not quotes or published averages.
- FEMA disaster declarations, Anderson County
- OpenFEMA flood insurance data, Anderson County
- American Community Survey 2020–2024, Palestine city: median year built, population, tenure, year built, home value, structure type
- Texas property tax directory, Anderson County
- Census metro delineation
- Census Gazetteer coordinates
- Comptroller 2024 regions
- FEMA NRI county ratings, Anderson County
- County and state comparisons: Anderson County value, Anderson County build year, Texas value
- NOAA NCEI storm reports, Anderson County
- NWS Fort Worth/Dallas, TX
- Texas Windstorm Insurance Association
- NFIP Community Status Book