Home Insurance in Aransas County, Texas
Homes in Aransas County carry a median value of $265,400 - 6% lower than the Texas median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Aransas County was built around 1998. About 6% of homes were built before 1960, about 6 points below Texas's 12%.
The housing stock in Aransas County is 71% single-family homes, 9% apartments in buildings with 5+ units and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 44% of owner-occupied homes in Aransas County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 77% of occupied homes in Aransas County are owner-occupied.
Most homes in Aransas County - 80% - are primarily heated with electricity.
Per FEMA's National Risk Index, Aransas County's top hazards are hurricane (Relatively Moderate), coastal flooding (Relatively Moderate) and wildfire (Very Low).
Aransas County had 4,715 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
The statewide average premium for a standard HO-3 homeowners policy in Texas is $2,864 per year, according to the NAIC homeowners insurance report (2023 data).
This area lists 13 licensed insurance agencies.
Key figures
| Median home value | $265,400 |
|---|---|
| Median year built | 1998 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Coastal Flooding (Relatively Moderate), Wildfire (Very Low) |
| Active NFIP flood policies (county) | 4,715 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Aransas County
- AAR INSURANCE SERVICES, INC., Rockport (General Lines Agency)
- AIM LOW INSURANCE AGENCY INC, Rockport (General Lines Agency)
- GLASS SORENSON & MCDAVID INC, Rockport (General Lines Agency)
- GSM DISCOUNT ADVANTAGE LLC, Rockport (General Lines Agency)
- GSM INSURORS OF TAYLOR, LLC, Rockport (General Lines Agency)
- GSM INSURORS SERVICES OF SOUTH TEXAS, INC., Rockport (General Lines Agency)
- GSM INSURORS SERVICES, INC., Rockport (General Lines Agency)
- HYNES INSURANCE SERVICES AGENCY LLC, Fulton (General Lines Agency)
- LMH & ASSOCIATES, LLC, Rockport (General Lines Agency)
- RISK RESOURCES LLC, Rockport (General Lines Agency)
- TEXAS COAST INSURANCE AGENCY, L.L.C., Rockport (General Lines Agency)
- VERSIFI INSURANCE LLC, Rockport (General Lines Agency)
- WHITNEY-VAKY COMPANY-INSURANCE SERVICES INC, Rockport (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)
- Texas Department of Insurance - licensed agencies (2026)