Winnsboro has 3,485 residents in 1,252 households. We list 7 insurance agencies in Winnsboro. Here is what the local numbers say about the cover people here need.

Winnsboro at a glance

7insurance agencies listed
47.1%of households rentRenters insurance
$172,000median home valueHome insurance
1971median year homes were builtRebuild cost calculator
6.5%of households have no carAuto insurance
3.7%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 Wood County

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

Ice stormVery High
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 Winnsboro

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 Winnsboro How much liability cover do you need?

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

What Winnsboro agencies can write

Share of the 7 agencies listed in Winnsboro that are appointed with at least one insurance company writing each type, or that name it on their own website.

Source: our listings. Appointment with a company that writes a type does not guarantee an agency sells it today.

Questions

Insurance agencies in Winnsboro

How do I find an insurance agency in Winnsboro?

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 Winnsboro?

Most often home, auto, umbrella, motorcycle, atv. Pick a type in the filters to narrow the list.

Do I need flood insurance in Winnsboro?

FEMA's National Risk Index rates inland flooding risk in Wood County as Relatively Low 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 Winnsboro?

47.1% of households in Winnsboro 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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