Home Insurance in DeWitt County, Texas
With a median home value of $170,900, DeWitt County is 40% lower than the Texas median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in DeWitt County was built around 1978. About 28% of homes were built before 1960, about 16 points above Texas's 12%.
The housing stock in DeWitt County is 75% single-family homes, 4% apartments in buildings with 5+ units and 17% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In DeWitt County, about 32% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 74% of occupied homes in DeWitt County are owner-occupied. The vacancy rate is 25%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In DeWitt County, 68% of homes are primarily heated with electricity.
The top hazards for DeWitt County, per FEMA's National Risk Index, are hurricane (Relatively Moderate), inland flooding (Relatively Moderate) and tornado (Relatively Moderate).
As of September 2026, DeWitt County has 217 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
The statewide average premium for a standard HO-3 homeowners policy in Texas is $2,864 per year, according to the NAIC homeowners insurance report (2023 data).
3 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $170,900 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 32% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Inland Flooding (Relatively Moderate), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 217 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in DeWitt County
- BRIAN GOMEZ INSURANCE AGENCY INC, Cuero (General Lines Agency)
- D T BOBBY LANE INSURANCE AGENCY INC, Cuero (General Lines Agency)
- RNC INSURANCE AGENCY, INC., Cuero (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)