Home Insurance in Charlotte, Texas
With a median home value of $86,900, Charlotte is 50% lower than the Atascosa County median.
The typical home in Charlotte was built around 1980. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 18% of homes were built before 1960, about 6 points above Atascosa County's 12%.
The housing stock in Charlotte is 43% single-family homes and 57% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Charlotte, about 21% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 90% of occupied homes in Charlotte are owner-occupied.
In Charlotte, 97% of homes are primarily heated with electricity.
FEMA rates Atascosa County's overall risk as Relatively Low, led by hail (Relatively Moderate). Atascosa County had 156 active NFIP flood policies as of September 2026. See the full Atascosa County home insurance overview for all FEMA hazard ratings and flood coverage details.
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.
This area lists 1 licensed insurance agencies.
Key figures
| Median home value | $86,900 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 21% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Atascosa County | 156 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Charlotte
- MORENO ASSURANCE & DIGITAL SERVICES LLC, Charlotte (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)