Home Insurance in Gonzales County, Texas
With a median home value of $159,100, Gonzales County is 44% lower than the Texas median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Gonzales County was built around 1983. 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 Gonzales County is 65% single-family homes, 2% apartments in buildings with 5+ units and 22% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Gonzales County, about 34% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Gonzales County has an owner-occupancy rate of 66% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
In Gonzales County, 80% of homes are primarily heated with electricity.
Per FEMA's National Risk Index, Gonzales County's top hazards are hail (Relatively Moderate), inland flooding (Relatively Moderate) and hurricane (Relatively Moderate).
Gonzales County had 162 active National Flood Insurance Program policies as of September 2026. 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.
7 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $159,100 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 34% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Inland Flooding (Relatively Moderate), Hurricane (Relatively Moderate) |
| Active NFIP flood policies (county) | 162 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Gonzales County
- BFIG LLC, Gonzales (General Lines Agency)
- BRITNEY JONES CAKA INSURANCE AGENCY, LLC, Gonzales (General Lines Agency)
- J & L INSURANCE ASSOCIATES, LLC, Smiley (General Lines Agency)
- JANICEK INSURANCE AGENCY, INC, Nixon (General Lines Agency)
- JDCO CORP, Gonzales (General Lines Agency)
- ROEBER INSURANCE AGENCY, Gonzales (General Lines Agency)
- TLT INSURANCE SERVICES, INC., Gonzales (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)