Home Insurance in Gustine, Texas
Homes in Gustine carry a median value of $86,900 - 44% lower than the Comanche County median.
The typical home in Gustine was built around 1957. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 52% of homes were built before 1960, about 19 points above Comanche County's 33%.
The housing stock in Gustine is 83% single-family homes and 17% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 39% of owner-occupied homes in Gustine have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Gustine has an owner-occupancy rate of 81% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Most homes in Gustine - 54% - are primarily heated with electricity.
FEMA rates Comanche County's overall risk as Relatively Low, led by wildfire (Relatively Moderate). Comanche County had 33 active NFIP flood policies as of September 2026. See the full Comanche 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.
1 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $86,900 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Comanche County | 33 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Gustine
- GUSTINE INSURANCE AGENCY INC, Gustine (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)