Home Insurance in Columbus, Texas
The median home value in Columbus is $241,700, 15% higher than the Colorado County median.
The typical home in Columbus was built around 1969. About 46% of homes were built before 1960, about 17 points above Colorado County's 28%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Columbus is 77% single-family homes, 5% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
34% of owner-occupied homes in Columbus carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Columbus has an owner-occupancy rate of 69% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
Most homes in Columbus - 63% - are primarily heated with electricity.
Colorado County had 349 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Moderate). See the full Colorado 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.
This area lists 4 licensed insurance agencies.
Key figures
| Median home value | $241,700 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 34% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Colorado County | 349 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Columbus
- BAUMGART AGENCY, LLC, Columbus (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
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)