Homeowners Insurance in Marshall, TX
For a home at Marshall's median value of $141,400, we estimate about $1,495 a year — −48% versus the Texas NAIC average of $2,864.
Estimated homeowners insurance cost in Marshall
Marshall's estimate reflects its home values (50% lower than the state median) and FEMA's hazard profile for Harrison County. Many homes here are older, so roof age, wiring and plumbing updates can matter a lot at underwriting.
Natural hazard risk in Marshall
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 89.6 | Comprehensive (car); roof claims (home) | |
| Tornado | 93.5 | Comprehensive; dwelling | |
| Hurricane | 69.8 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 63.5 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 68.3 | Comprehensive; dwelling | |
| Winter weather | 71.7 | Collision (icy roads); frozen pipes (home) | |
| Wildfire | 77.0 | Comprehensive; dwelling | |
| Earthquake | 55.6 | Home needs a separate earthquake policy | |
| Lightning | 67.0 | Fire and electrical damage |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated premium by home value in Marshall
| Dwelling value | Wood frame | Brick / masonry |
|---|---|---|
| $200,000 | $1,975 | $1,815 |
| $300,000 | $2,730 | $2,510 |
| $500,000 | $4,110 | $3,780 |
| $750,000 | $5,680 | $5,225 |
Home Insurance Estimator
Homeowners insurance by ZIP code in Marshall
| ZIP | Median home value | Owner-occupied | Est. premium |
|---|---|---|---|
| 75670 | $112,300 | 59.1% | $1,245 |
| 75672 | $172,400 | 80.6% | $1,750 |
Homeowners insurance in Texas · Car insurance in Marshall · Insurance offices near Marshall
Frequently asked questions
How much is homeowners insurance in Marshall?
For a home at Marshall's median value of $141,400, we estimate about $1,495 a year for a standard HO-3 policy with a $1,000 deductible. The Texas NAIC average is $2,864.
What are the biggest natural hazards in Marshall?
FEMA's National Risk Index rates Harrison County relatively high or very high for tornado.
Does the age of homes in Marshall affect insurance?
Yes. The median home in Marshall was built in 1969 (Census ACS). Older roofs, wiring and plumbing can raise premiums or require inspections, while updates often earn discounts.
How we estimate this
We start from the NAIC average homeowners (HO-3) premium for Texas, scale it by the ratio of the dwelling value to the state median home value, adjust for construction type and deductible, and apply a hazard factor from FEMA National Risk Index scores for Harrison County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner's Insurance Report: Data for 2023 (July 2026), Tables 4 and 5 (HO-3 and HO-4 average premiums)
- FEMA National Risk Index (Harrison County)
- U.S. Census Bureau, American Community Survey (home values, year built, tenure)