Home Insurance in Santa Anna, Texas
Homes in Santa Anna carry a median value of $58,100 - 37% lower than the Coleman County median.
The typical home in Santa Anna was built around 1958. About 54% of homes were built before 1960, about 11 points above Coleman County's 43%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Santa Anna, the housing stock is 74% single-family homes, 6% apartments in buildings with 5+ units and 10% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Santa Anna, about 15% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 54% of occupied homes in Santa Anna are owner-occupied.
Most homes in Santa Anna - 57% - are primarily heated with natural gas.
Coleman County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Coleman County had 17 active NFIP flood policies as of September 2026. See the full Coleman County home insurance overview for all FEMA hazard ratings and flood coverage details.
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.
Key figures
| Median home value | $58,100 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 15% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Coleman County | 17 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
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)