Home Insurance in Brooks County, Texas
With a median home value of $81,000, Brooks County is 71% lower than the Texas median.
The typical home in Brooks County was built around 1970. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 41% of homes were built before 1960, about 29 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 Brooks County is 80% single-family homes, 5% apartments in buildings with 5+ units and 7% mobile or manufactured homes.
13% of owner-occupied homes in Brooks County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 53% of occupied homes in Brooks County are owner-occupied.
57% of homes in Brooks County are primarily heated with electricity.
The top hazards for Brooks County, per FEMA's National Risk Index, are hurricane (Relatively Moderate), hail (Relatively Low) and wildfire (Very Low).
As of September 2026, Brooks County has 109 active NFIP flood insurance policies. 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 1 licensed insurance agencies.
Key figures
| Median home value | $81,000 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 13% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Hail (Relatively Low), Wildfire (Very Low) |
| Active NFIP flood policies (county) | 109 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Brooks County
- BARNES INSURANCE & REALTY INC, Falfurrias (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)