Home Insurance in Sealy, Texas
With a median home value of $261,100, Sealy is 12% lower than the Austin County median.
The typical home in Sealy was built around 1985. About 16% of homes were built before 1960, in line with Austin County (16%). Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Sealy is 59% single-family homes, 7% apartments in buildings with 5+ units and 21% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
42% of owner-occupied homes in Sealy carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 65% of occupied homes in Sealy are owner-occupied.
56% of homes in Sealy are primarily heated with electricity.
FEMA rates Austin County's overall risk as Relatively Low, led by tornado (Relatively Moderate). 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.
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.
8 licensed insurance agencies serve this area.
Key figures
| Median home value | $261,100 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Austin County | 500 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Sealy
- C&C GOLDEN INSURANCE AGENCY LLC, Sealy (General Lines Agency)
- CPK INSURANCE SERVICES LLC, Sealy (General Lines Agency)
- FIRST CHOICE INTEGRITY INSURANCE LLC, Sealy (General Lines Agency)
- OUTDOOR INSURANCE SERVICES, INC., Sealy (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)
- VERNON BAY AGENCY, INC., Sealy (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)