Home Insurance in Karnes County, Texas
The median home value in Karnes County is $149,000, 47% lower than the Texas median.
The typical home in Karnes County was built around 1988. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 24% of homes were built before 1960, about 11 points above Texas's 12%.
The housing stock in Karnes County is 67% single-family homes, 6% apartments in buildings with 5+ units and 15% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 29% of owner-occupied homes in Karnes County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 62% of occupied homes in Karnes County are owner-occupied.
In Karnes County, 81% of homes are primarily heated with electricity.
Per FEMA's National Risk Index, Karnes County's top hazards are hurricane (Relatively Moderate), hail (Relatively Moderate) and inland flooding (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Karnes County has 33 active NFIP flood policies on file.
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).
5 licensed insurance agencies serve this area.
Key figures
| Median home value | $149,000 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 29% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Hail (Relatively Moderate), Inland Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 33 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Karnes County
- FALLS CITY NATIONAL BANK, Falls City (General Lines Agency)
- GARFIELD INSURANCE AGENCY, LLC, Karnes City (General Lines Agency)
- INTEGRITY INSURANCE SOLUTIONS, LLC, Karnes City (General Lines Agency)
- KARNES INSURANCE AGENCY INC, Kenedy (General Lines Agency)
- TANIA ESPARZA INSURANCE AGENCY, PLLC, Kenedy (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
Sources
- 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)