Home Insurance in Frio County, Texas
Homes in Frio County carry a median value of $107,700 - 62% lower than the Texas median.
The typical home in Frio County was built around 1986. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 13% of homes were built before 1960, in line with Texas (12%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Frio County is 59% single-family homes, 8% apartments in buildings with 5+ units and 22% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Frio County, about 36% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Frio County has an owner-occupancy rate of 59% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
In Frio County, 79% of homes are primarily heated with electricity.
The top hazards for Frio County, per FEMA's National Risk Index, are wildfire (Relatively Low), hail (Relatively Moderate) and hurricane (Relatively Low).
As of September 2026, Frio County has 16 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $107,700 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Hail (Relatively Moderate), Hurricane (Relatively Low) |
| Active NFIP flood policies (county) | 16 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Frio County
- AGRI-INSURANCE INC, Pearsall (General Lines Agency)
- CADS GROUP, INC., Dilley (General Lines Agency)
- KG INSURANCE AGENCY LLC, Moore (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)