Home Insurance in Waelder, Texas
With a median home value of $59,400, Waelder is 63% lower than the Gonzales County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Waelder was built around 1970. About 44% of homes were built before 1960, about 18 points above Gonzales County's 26%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Waelder is 63% single-family homes and 29% mobile or manufactured homes.
About 31% of owner-occupied homes in Waelder have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 71% of occupied homes in Waelder are owner-occupied.
In Waelder, 82% of homes are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Gonzales County's overall risk as Relatively Moderate, led by hail (Relatively Moderate). Gonzales County had 162 active NFIP flood policies as of September 2026. See the full Gonzales County home insurance overview for all FEMA hazard ratings and flood coverage details.
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.
Key figures
| Median home value | $59,400 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Gonzales County | 162 |
| 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)