Home Insurance in Karnes City, Texas
With a median home value of $93,400, Karnes City is 37% lower than the Karnes County median.
The typical home in Karnes City was built around 1974. About 37% of homes were built before 1960, about 13 points above Karnes County's 24%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Karnes City, the housing stock is 67% single-family homes, 3% apartments in buildings with 5+ units and 21% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 30% of owner-occupied homes in Karnes City have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Karnes City has an owner-occupancy rate of 70% and a vacancy rate of 22%; unoccupied homes typically need a different coverage form.
77% of homes in Karnes City are primarily heated with electricity.
Karnes County had 33 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Moderate). See the full Karnes 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.
2 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $93,400 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 30% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Karnes County | 33 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Karnes City
- GARFIELD INSURANCE AGENCY, LLC, Karnes City (General Lines Agency)
- INTEGRITY INSURANCE SOLUTIONS, LLC, Karnes City (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)