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Home Insurance in Teague, TX
Half of the homes in Teague were built in 1976 or earlier. Here is how the local housing stock shapes coverage and price.
The Teague housing stock in numbers
Single-family detached houses make up about 72% of housing units, and 80% of occupied homes are owner-occupied. About 18% of units are manufactured homes, which typically need a policy built for that construction type. About 24% of housing units were vacant when surveyed, a figure that includes seasonal and second homes; policies often limit coverage for homes left empty for long stretches.
Why build year matters in Teague
Census estimates put the median construction year for homes in Teague at 1976. About 58% of homes went up before 1980, while 15% were built in 2000 or later. Older homes can carry original wiring, galvanized or cast-iron plumbing and roofs on their second or third replacement, and underwriters ask about all three.
$4,379/yr
About $365/mo · ~$300k-$400k dwelling class
$2,807/yr
About $234/mo after modeled shopping discount
About 35.9% below local market estimate
How much coverage a Teague home needs
The typical owner-occupied home in Teague is valued at about $119,900. Across Freestone County the median is $168,000. Sale prices and rebuild costs can diverge in either direction, which is why carriers run their own replacement-cost estimate for the dwelling limit.
Coverage A through F for a Teague home
Covers the house. Lenders require it, and it is the base that percentage deductibles are calculated from.
Detached garages, fences, sheds and workshops, often set at 10% of Coverage A by default. Rural and large-lot properties often need more than the default.
Furniture, clothing and electronics. Replacement-cost settlement pays more than actual cash value after a loss.
Loss of use. After a large storm, contractor backlogs can stretch repairs, so this limit matters.
Covers your legal liability for injuries or damage to others; an umbrella policy can extend it.
No-fault medical payments for visitors, usually a few thousand dollars.
Weather backdrop for Teague
In FEMA’s National Risk Index, Freestone County carries an overall rating of relatively low. Its leading hazards, by rating, are cold waves (relatively high), tornadoes (relatively moderate) and lightning (relatively moderate). Hail turned up 18 times in Freestone County in NOAA’s database between 2016 and 2025. Of these, 13 reached at least one inch in diameter. The largest reported hail was 1.75 inches on April 2, 2017.
There is no TWIA option in Freestone County, so the homeowners carrier handles wind and hail, and its deductible for those perils can differ from the all-other-perils deductible. Look up your address on the FEMA Flood Map Service Center to see your flood zone.
Where to look up your Teague home
Before you request quotes, pull your record from the Freestone appraisal district at www.freestonecad.org; the Texas Comptroller’s Freestone County directory lists its contact details. You can also visit the office at 218 N. Mount St. Fairfield, TX 75840-3144.
Teague is in Freestone County. No metro or micro area includes Freestone County, so it is rural by the federal definition. Waco is the closest larger city, roughly 54 miles away, with Teague to its east.
Common questions from Teague homeowners
How old are homes in Teague, and does that change my rate?
Census estimates put the median build year at 1976, with about 58% of homes older than 1980. Carriers look closely at roof, wiring and plumbing updates on older homes, and documenting them can improve your options.
Is flood insurance available in Teague?
A standard homeowners policy will not pay for flood damage, so you need a stand-alone flood policy. Teague is an NFIP community, and its current flood map took effect in June 2026. Only about 1 in 286 Freestone County homes carries NFIP coverage. New NFIP policies usually take 30 days to start.
How often should I shop coverage in Teague?
Yearly is a good habit, plus whenever your premium jumps, you finish a remodel or you replace the roof.
Are manufactured homes in Teague insured differently?
Usually. Manufactured homes make up about 18% of housing units in Teague. They are typically written on a manufactured home policy, and tie-downs, age and skirting can affect eligibility.
Compare Teague home insurance quotes
Compare carriers with Texas Insurance Resources. Call 800-875-4711 or request a quote online.
Data sources and notes
Data reflects the most recent releases available in October 2026; survey figures carry margins of error. Price estimates near the top are Texas Insurance Resources models for comparison, not quotes or published averages.
- Census ACS 2020–2024, Teague city: tenure, year built, structure type, median year built, home value, population
- Census metro delineation
- Census Gazetteer coordinates
- NOAA Storm Events Database, Freestone County
- Comptroller 2024 regions
- FEMA Community Status Book
- Comptroller county directory, Freestone County
- National Risk Index (FEMA), Freestone County
- OpenFEMA NFIP data, Freestone County
- TWIA coverage area
- Comparison figures: Freestone County value, Freestone County build year