Home Insurance in Fulton, Texas
With a median home value of $140,300, Fulton is 47% lower than the Aransas County median.
The typical home in Fulton was built around 2002. About 5% of homes were built before 1960, about 2 points below Aransas County's 6%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Fulton is 58% single-family homes, 7% apartments in buildings with 5+ units and 31% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Fulton, about 25% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 71% of occupied homes in Fulton are owner-occupied. The vacancy rate is 31%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
72% of homes in Fulton are primarily heated with electricity.
What's the biggest home insurance risk near Fulton? FEMA's National Risk Index points to hurricane (Relatively Moderate) in Aransas County and Aransas County had 4,715 active NFIP flood policies as of September 2026. See the full Aransas County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
1 licensed insurance agencies serve this area.
Key figures
| Median home value | $140,300 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 25% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Aransas County | 4,715 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Fulton
- HYNES INSURANCE SERVICES AGENCY LLC, Fulton (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
Nearby towns
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)