Home Insurance in Santa Clara, Texas
The median home value in Santa Clara is $323,000, 6% higher than the Guadalupe County median.
The typical home in Santa Clara was built around 1992. About 9% of homes were built before 1960, about 1 point above Guadalupe County's 8%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Santa Clara is 72% single-family homes and 24% mobile or manufactured homes.
About 47% of owner-occupied homes in Santa Clara have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Santa Clara has an owner-occupancy rate of 94% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Santa Clara - 86% - are primarily heated with electricity.
What's the biggest home insurance risk near Santa Clara? FEMA's National Risk Index points to inland flooding (Relatively High) in Guadalupe County and 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 | $323,000 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 47% |
| 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)