Troup has 2,338 residents in 754 households. We list 4 insurance agencies in Troup. Here is what the local numbers say about the cover people here need.

Troup at a glance

4insurance agencies listed
35.7%of households rentRenters insurance
$159,400median home valueHome insurance
1971median year homes were builtRebuild cost calculator
6.2%of households have no carAuto insurance
19.6%of homes are mobile homesMobile home insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Smith County

FEMA rates the overall natural hazard risk in Smith County, where most Troup agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:

LightningRelatively High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Texas
Strong windRelatively High
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in Texas
Winter weatherRelatively High
Ice stormRelatively High

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Texas

Texas requires drivers to carry at least $30,000 of bodily injury liability per person, $60,000 per accident and $25,000 of property damage liability, often written 30/60/25.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Texas How much liability cover do you need?

Source: tdi.texas.gov. Checked 2026-10-24.

Questions

Insurance agencies in Troup

How do I find an insurance agency in Troup?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What insurance can I get from agencies in Troup?

Most often health, accident & health, life. Pick a type in the filters to narrow the list.

Do I need flood insurance in Troup?

FEMA's National Risk Index rates inland flooding risk in Smith County as Relatively Moderate compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

Do I need renters insurance in Troup?

35.7% of households in Troup rent, according to the Census Bureau's American Community Survey. A landlord's policy covers the building, not your belongings or your liability; renters insurance covers those.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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