Home Insurance in San Diego, Texas
With a median home value of $85,600, San Diego is close to the Duval County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in San Diego was built around 1969. About 40% of homes were built before 1960, about 13 points above Duval County's 26%.
In San Diego, the housing stock is 82% single-family homes, 5% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In San Diego, about 43% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 28%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in San Diego are owner-occupied.
In San Diego, 78% of homes are primarily heated with electricity.
FEMA rates Duval County's overall risk as Relatively Low, led by hurricane (Relatively Low). Duval County had 25 active NFIP flood policies as of September 2026. See the full Duval 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).
Key figures
| Median home value | $85,600 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Duval County | 25 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
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)