Home Insurance in Martindale, Texas
Homes in Martindale carry a median value of $326,300 - 36% higher than the Caldwell County median.
The typical home in Martindale was built around 1989. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 17% of homes were built before 1960, in line with Caldwell County (16%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Martindale is 65% single-family homes, 5% apartments in buildings with 5+ units and 23% mobile or manufactured homes.
About 60% of owner-occupied homes in Martindale have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 78% of occupied homes in Martindale are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Martindale, 94% of homes are primarily heated with electricity.
Caldwell County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. Caldwell County had 250 active NFIP flood policies as of September 2026. See the full Caldwell County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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.
1 licensed insurance agencies serve this area.
Key figures
| Median home value | $326,300 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Caldwell County | 250 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Martindale
- KRIS RICHTER INSURANCE AGENCY INC, Martindale (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)