Home Insurance in Kingsbury, Texas
The median home value in Kingsbury is $173,600, 43% lower than the Guadalupe County median.
The typical home in Kingsbury was built around 1993. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 5% of homes were built before 1960, about 2 points below Guadalupe County's 8%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Kingsbury is 20% single-family homes and 80% mobile or manufactured homes.
In Kingsbury, about 40% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 80% of occupied homes in Kingsbury are owner-occupied.
Most homes in Kingsbury - 93% - are primarily heated with electricity.
Guadalupe County's top FEMA-rated hazard is inland flooding (Relatively High), per FEMA's National Risk Index. Guadalupe County had 2,319 active NFIP flood policies as of September 2026. See the full Guadalupe County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
The statewide average premium for a standard HO-3 homeowners policy in Texas is $2,864 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $173,600 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top county hazard | Inland Flooding (Relatively High) |
| Active NFIP policies in Guadalupe County | 2,319 |
| 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)