Home Insurance in Calhoun County, Texas
Homes in Calhoun County carry a median value of $171,200 - 40% lower than the Texas median.
The typical home in Calhoun County was built around 1978. About 21% of homes were built before 1960, about 9 points above Texas's 12%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Calhoun County is 75% single-family homes, 5% apartments in buildings with 5+ units and 13% mobile or manufactured homes.
In Calhoun County, about 47% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 77% of occupied homes in Calhoun County are owner-occupied.
Most homes in Calhoun County - 66% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Calhoun County's top hazards are hurricane (Relatively Moderate), wildfire (Very Low) and coastal flooding (Relatively Low).
As of September 2026, Calhoun County has 1,737 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).
2 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $171,200 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Wildfire (Very Low), Coastal Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 1,737 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Calhoun County
- GLOBAL ASSURANCE LLC, Port Lavaca (General Lines Agency)
- LAVACA BAY INSURANCE AGENCY LLC, Port Lavaca (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)