Home Insurance in Duval County, Texas
The median home value in Duval County is $89,400, 68% lower than the Texas median.
The typical home in Duval County was built around 1980. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 26% of homes were built before 1960, about 14 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 Duval County is 84% single-family homes, 2% apartments in buildings with 5+ units and 13% mobile or manufactured homes.
30% of owner-occupied homes in Duval County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 31%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 70% of occupied homes in Duval County are owner-occupied.
Most homes in Duval County - 88% - are primarily heated with electricity.
FEMA's National Risk Index lists hurricane (Relatively Low), hail (Relatively Moderate) and wildfire (Very Low) as the leading hazards for Duval County.
As of September 2026, Duval County has 25 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $89,400 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 30% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Low), Hail (Relatively Moderate), Wildfire (Very Low) |
| Active NFIP flood policies (county) | 25 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Duval County
- BAYMOR INSURANCE AGENCY LLC, Freer (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)