Home Insurance in Seguin, Texas
With a median home value of $249,400, Seguin is 18% lower than the Guadalupe County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Seguin was built around 1990. About 19% of homes were built before 1960, about 12 points above 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 Seguin is 72% single-family homes, 11% apartments in buildings with 5+ units and 7% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
56% of owner-occupied homes in Seguin carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Seguin has an owner-occupancy rate of 65% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
75% of homes in Seguin 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).
16 licensed insurance agencies serve this area.
Key figures
| Median home value | $249,400 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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) |
Licensed insurance agencies in Seguin
- AH INSURANCE AGENCY INC, Seguin (General Lines Agency)
- BIGGS & ASSOCIATES AGENCY, LLC, Seguin (General Lines Agency)
- BRANDON TORRES INSURANCE AGENCY, INC, Seguin (General Lines Agency)
- CCV SECURE LLC, Seguin (General Lines Agency)
- CINCOTT BENEFIT SOLUTIONS, INC., Seguin (Pers Lines Prop and Cas Agency)
- DONEGAN INSURANCE AGENCY, INC., Seguin (General Lines Agency)
- DYLAN POWELL LLC, Seguin (General Lines Agency)
- FARRIS COUNSULTING GROUP LLC, Seguin (General Lines Agency)
- JENNIFER JO HENDRICK, LLC, Seguin (General Lines Agency)
- LBS INSURANCE GROUP, INC., Seguin (General Lines Agency)
- LOCHTE INSURANCE AGENCY, INC., Seguin (General Lines Agency)
- MCGAHA INSURANCE AGENCY, LLC, Seguin (General Lines Agency)
- REYES & FAMILY INSURANCE AGENCY, LLC, Seguin (General Lines Agency)
- SCHAEFER CROP INSURANCE SERVICES INC, Seguin (General Lines Agency)
- TAT MANAGEMENT GROUP LLC, Seguin (General Lines Agency)
- WKI, LLC, Seguin (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)