Home Insurance in Cuero, Texas
Homes in Cuero carry a median value of $176,900 - close to the DeWitt County median.
The typical home in Cuero was built around 1977. About 26% of homes were built before 1960, about 2 points below DeWitt County's 28%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Cuero, the housing stock is 70% single-family homes, 10% apartments in buildings with 5+ units and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 44% of owner-occupied homes in Cuero have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Cuero has an owner-occupancy rate of 62% and a vacancy rate of 27%; unoccupied homes typically need a different coverage form.
Most homes in Cuero - 67% - are primarily heated with electricity.
What's the biggest home insurance risk near Cuero? FEMA's National Risk Index points to hurricane (Relatively Moderate) in DeWitt County and DeWitt County had 217 active NFIP flood policies as of September 2026. See the full DeWitt County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
This area lists 3 licensed insurance agencies.
Key figures
| Median home value | $176,900 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in DeWitt County | 217 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Cuero
- 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
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)