Home Insurance in San Felipe, Texas
Homes in San Felipe carry a median value of $232,700 - 22% lower than the Austin County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in San Felipe was built around 1992. About 21% of homes were built before 1960, about 5 points above Austin County's 16%.
In San Felipe, the housing stock is 78% single-family homes and 22% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
57% of owner-occupied homes in San Felipe carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
San Felipe has an owner-occupancy rate of 91% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
In San Felipe, 72% of homes 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.
What's the biggest home insurance risk near San Felipe? FEMA's National Risk Index points to tornado (Relatively Moderate) in Austin County and Austin County had 500 active NFIP flood policies as of September 2026. See the full Austin County home insurance overview for all FEMA hazard ratings and flood coverage details.
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).
Key figures
| Median home value | $232,700 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Austin County | 500 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
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)