Home Insurance in Falfurrias, Texas
Homes in Falfurrias carry a median value of $79,900 - close to the Brooks County median.
The typical home in Falfurrias was built around 1959. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 53% of homes were built before 1960, about 12 points above Brooks County's 41%.
The housing stock in Falfurrias is 78% single-family homes, 8% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
11% of owner-occupied homes in Falfurrias carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 39% of occupied homes in Falfurrias are owner-occupied. The vacancy rate is 24%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Falfurrias, 52% of homes are primarily heated with natural gas.
Brooks County had 109 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Moderate). See the full Brooks 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).
1 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $79,900 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 39% |
| Share of owner-occupied homes with a mortgage | 11% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Brooks County | 109 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Falfurrias
- BARNES INSURANCE & REALTY INC, Falfurrias (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)