Home Insurance in Gonzales, Texas
Homes in Gonzales carry a median value of $208,500 - 31% higher than the Gonzales County median.
The typical home in Gonzales was built around 1972. About 35% of homes were built before 1960, about 9 points above Gonzales County's 26%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Gonzales, the housing stock is 68% single-family homes, 6% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 54% of owner-occupied homes in Gonzales have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 51% of occupied homes in Gonzales are owner-occupied.
72% of homes in Gonzales are primarily heated with electricity.
Gonzales County had 162 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Gonzales 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).
5 licensed insurance agencies serve this area.
Key figures
| Median home value | $208,500 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Gonzales County | 162 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Gonzales
- BFIG LLC, Gonzales (General Lines Agency)
- BRITNEY JONES CAKA INSURANCE AGENCY, LLC, Gonzales (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
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)