Home Insurance in Atascosa County, Texas
The median home value in Atascosa County is $174,800, 38% lower than the Texas median.
The typical home in Atascosa County was built around 1993. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 12% of homes were built before 1960, in line with Texas (12%).
The housing stock in Atascosa County is 59% single-family homes, 3% apartments in buildings with 5+ units and 35% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 47% of owner-occupied homes in Atascosa County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 77% of occupied homes in Atascosa County are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Atascosa County - 83% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Atascosa County, per FEMA's National Risk Index, are hail (Relatively Moderate), tornado (Relatively Moderate) and wildfire (Relatively Low).
Atascosa County had 156 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Texas carries a statewide average premium of $2,864 per year.
16 licensed insurance agencies serve this area.
Key figures
| Median home value | $174,800 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Tornado (Relatively Moderate), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 156 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Atascosa County
- ATASCOSA COUNTRY SALES, INC., Pleasanton (General Lines Agency)
- CHICOINE INSURANCE AGENCY, INC, Jourdanton (General Lines Agency)
- CHICOINE INSURANCE AGENCY, INC, Jourdanton (Pers Lines Prop and Cas Agency)
- ELITE INSURANCE GROUP, LLC, Lytle (General Lines Agency)
- FIRST SOURCE INSURANCE SOLUTIONS LLC, Pleasanton (General Lines Agency)
- FSP ADVISORS LLC, Pleasanton (General Lines Agency)
- GARRETT WIATREK INSURANCE SERVICES LLC, Jourdanton (General Lines Agency)
- JOURDANTON INSURANCE AGENCY, LLC, Jourdanton (General Lines Agency)
- JSB INVESTMENTS INC, Jourdanton (General Lines Agency)
- LILIANA HERNANDEZ INSURANCE AND FINANCIAL SERVICES INC, Pleasanton (General Lines Agency)
- LONG INSURANCE AND FINANCIAL SERVICES, INC., Jourdanton (General Lines Agency)
- MBA AGENT PARTNERS, Pleasanton (General Lines Agency)
- MORENO ASSURANCE & DIGITAL SERVICES LLC, Charlotte (General Lines Agency)
- RICKS INSURANCE AGENCY INC, Pleasanton (General Lines Agency)
- SCOTT NEWLAND INSURANCE AGENCY, LLC, Pleasanton (General Lines Agency)
- SUSAN PICK AGENCY, LLC, Pleasanton (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
Sources
- 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)