Home Insurance in Colorado County, Texas
The median home value in Colorado County is $209,800, 26% lower than the Texas median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Colorado County was built around 1983. About 28% of homes were built before 1960, about 16 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 Colorado County is 78% single-family homes, 2% apartments in buildings with 5+ units and 16% mobile or manufactured homes.
About 38% of owner-occupied homes in Colorado County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 80% of occupied homes in Colorado County are owner-occupied. The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Colorado County - 63% - 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.
FEMA's National Risk Index lists hurricane (Relatively Moderate), tornado (Relatively Moderate) and hail (Relatively Low) as the leading hazards for Colorado County.
Colorado County had 349 active National Flood Insurance Program policies as of September 2026. 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 7 licensed insurance agencies.
Key figures
| Median home value | $209,800 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Tornado (Relatively Moderate), Hail (Relatively Low) |
| Active NFIP flood policies (county) | 349 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Colorado County
- BAUMGART AGENCY, LLC, Columbus (General Lines Agency)
- BRIS LLC, Cat Spring (General Lines Agency)
- EAGLE LAKE INSURANCE ASSOCIATES, INC, Eagle Lake (General Lines Agency)
- GEORGE BERGER INSURANCE AGENCY, INC, Weimar (General Lines Agency)
- JAMES JANIK INSURANCE SERVICES, LLC, Columbus (General Lines Agency)
- MAYA TAX & INSURANCE GROUP, LLC, Columbus (General Lines Agency)
- WICK INSURANCE SERVICES LLC, Columbus (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)