Home Insurance in Bee County, Texas
The median home value in Bee County is $111,300, 61% lower than the Texas median.
The typical home in Bee County was built around 1978. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 18% of homes were built before 1960, about 5 points above Texas's 12%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Bee County is 68% single-family homes, 6% apartments in buildings with 5+ units and 20% mobile or manufactured homes.
33% of owner-occupied homes in Bee County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Bee County has an owner-occupancy rate of 71% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
In Bee County, 83% of homes are primarily heated with electricity.
FEMA's National Risk Index lists hurricane (Relatively Moderate), tornado (Relatively Moderate) and wildfire (Very Low) as the leading hazards for Bee County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Bee County has 253 active NFIP flood policies on file.
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).
3 licensed insurance agencies serve this area.
Key figures
| Median home value | $111,300 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 33% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Tornado (Relatively Moderate), Wildfire (Very Low) |
| Active NFIP flood policies (county) | 253 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Bee County
- SCOTTEN INSURANCE AGENCY LLC, Beeville (General Lines Agency)
- STEPHEN BALL INSURANCE AGENCY INC., Beeville (General Lines Agency)
- TWISTED OAK INSURANCE AGENCY PLLC, Beeville (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)