Home Insurance in Schulenburg, Texas
With a median home value of $205,900, Schulenburg is 30% lower than the Fayette County median.
The typical home in Schulenburg was built around 1969. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 40% of homes were built before 1960, about 13 points above Fayette County's 27%.
In Schulenburg, the housing stock is 76% single-family homes, 9% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 36% of owner-occupied homes in Schulenburg have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 59% of occupied homes in Schulenburg are owner-occupied.
In Schulenburg, 76% of homes are primarily heated with electricity.
Fayette County's top FEMA-rated hazard is hurricane (Relatively Low), per FEMA's National Risk Index. Fayette County had 190 active NFIP flood policies as of September 2026. See the full Fayette 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).
3 licensed insurance agencies serve this area.
Key figures
| Median home value | $205,900 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Fayette County | 190 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Schulenburg
- BUBELA INSURANCE PARTNERS, LLC, Schulenburg (General Lines Agency)
- HOLLAS INSURANCE AGENCY, LLC, Schulenburg (General Lines Agency)
- WAYNE FAIRCLOTH INSURANCE AGENCY, INC., Schulenburg (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)