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Home Insurance in Texarkana, TX
Half of the homes in Texarkana were built in 1979 or earlier. Here is how the local housing stock shapes coverage and price.
What Texarkana housing looks like
In Texarkana, 52% of occupied homes are lived in by their owners and 65% of units are detached houses.
How age and construction affect a Texarkana quote
The median home in Texarkana was built in 1979. About 52% of homes went up before 1980, while 19% were built in 2000 or later. Some homes from the late 1970s through the mid-1990s used polybutylene supply lines, a material some insurers ask about during underwriting.
$4,868/yr
About $406/mo · ~$300k-$400k dwelling class
$2,809/yr
About $234/mo after modeled shopping discount
About 42.3% below local market estimate
Setting the dwelling limit in Texarkana
The typical owner-occupied home in Texarkana is valued at about $171,500. That is close to the Bowie County median of $173,000. 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.
What each coverage does for Texarkana owners
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.
Your belongings. A room-by-room photo inventory makes claims faster.
Extra living costs if a covered loss forces you out during repairs.
Legal defense and damages if someone is hurt on your property or you damage someone else’s.
Small medical bills for guests injured at your home, regardless of fault.
Storm and flood context for Texarkana
In FEMA’s National Risk Index, Bowie County carries an overall rating of relatively low. The individual hazards that stand out are ice storms (very high), hail (relatively high) and tornadoes (relatively high). 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.
Bowie 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. The FEMA Flood Map Service Center shows the flood zone for any address.
Local resources for Texarkana homeowners
Square footage and build year on file with the Bowie appraisal district (www.bowieappraisal.com) feed straight into replacement-cost estimates, so check them for errors. Its office is at 122 Plaza W., Suite A Texarkana, TX 75501-5917.
Texarkana is in Bowie County. The Texarkana-AR metro area counts Bowie County among its central counties. Measured point to point, Texarkana sits roughly 75 miles northeast of Longview.
Texarkana housing and coverage questions
Does the age of Texarkana housing affect insurance?
Half the homes were built by 1979, and roughly 52% are pre-1980, according to the Census Bureau. At this age the roof is the main question, followed by the water heater and supply lines.
When is the best time to compare home insurance in Texarkana?
Compare quotes a few weeks before renewal, and any time you replace the roof or add a structure.
How do I check what the appraisal district has on file for my Texarkana home?
Search your address on the Bowie appraisal district site, www.bowieappraisal.com. Insurers use similar data, so correct any errors in square footage or year built before quoting.
Do renters and landlords in Texarkana need different policies?
Yes. About 48% of occupied homes in Texarkana are renter-occupied, per Census estimates. Tenants need a renters policy for belongings and liability, while owners who lease a home usually need a landlord (dwelling fire) policy instead of a standard homeowners form.
Compare Texarkana home insurance quotes
Texas Insurance Resources shops multiple carriers for you. Call 800-875-4711 or start online.
Data sources and notes
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.
- Comparison figures: Bowie County value, Bowie County build year
- Census Bureau ACS five-year data, Texarkana city: home value, population, year built, structure type, tenure, median year built
- Texas property tax directory, Bowie County
- Comptroller economic regions
- TWIA coverage area
- FEMA National Risk Index, Bowie County
- OMB metro and micro areas
- Gazetteer (Census)
- Storm Events Database (NOAA), Bowie County