Home Insurance in Austin County, Texas
With a median home value of $296,900, Austin County is close to the Texas median.
The typical home in Austin County was built around 1992. About 16% of homes were built before 1960, about 4 points above Texas's 12%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Austin County, the housing stock is 71% single-family homes, 3% apartments in buildings with 5+ units and 22% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 45% of owner-occupied homes in Austin County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 77% of occupied homes in Austin County are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Austin County - 64% - are primarily heated with electricity.
FEMA's National Risk Index lists tornado (Relatively Moderate), hurricane (Relatively Low) and strong wind (Relatively Moderate) as the leading hazards for Austin County.
Austin County had 500 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.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
This area lists 14 licensed insurance agencies.
Key figures
| Median home value | $296,900 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively Moderate), Hurricane (Relatively Low), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 500 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Austin County
- C&C GOLDEN INSURANCE AGENCY LLC, Sealy (General Lines Agency)
- COOPERLAIRD INSURANCE AGENCY LLC, Bellville (General Lines Agency)
- CPK INSURANCE SERVICES LLC, Sealy (General Lines Agency)
- FIRST CHOICE INTEGRITY INSURANCE LLC, Sealy (General Lines Agency)
- ISCENTIAL INC, New Ulm (General Lines Agency)
- JOE HORAK AGENCY LLC, Bellville (General Lines Agency)
- NO. 4 STEEL SHOT, LLC, Bellville (General Lines Agency)
- OUTDOOR INSURANCE SERVICES, INC., Sealy (General Lines Agency)
- PAIGE FATERKOWSKI INSURANCE ADVISOR LLC, Bellville (General Lines Agency)
- RMC INSURANCE SERVICES INC, Sealy (General Lines Agency)
- SEALY CENTER INSURANCE AGENCY LLC, Sealy (General Lines Agency)
- STX INSURANCE SERVICES LLC, Sealy (General Lines Agency)
- TPH INTEREST LLC, Bellville (General Lines Agency)
- VERNON BAY AGENCY, INC., Sealy (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)