Home Insurance in Kenedy, Texas
Homes in Kenedy carry a median value of $140,300 - 6% lower than the Karnes County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Kenedy was built around 1985. About 22% of homes were built before 1960, about 1 point below Karnes County's 24%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Kenedy is 68% single-family homes, 11% apartments in buildings with 5+ units and 9% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
43% of owner-occupied homes in Kenedy carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 40% of occupied homes in Kenedy are owner-occupied. The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
82% of homes in Kenedy are primarily heated with electricity.
FEMA rates Karnes County's overall risk as Relatively Low, led by hurricane (Relatively Moderate). Karnes County had 33 active NFIP flood policies as of September 2026. See the full Karnes County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
2 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $140,300 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 40% |
| Share of owner-occupied homes with a mortgage | 43% |
| 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 Kenedy
- 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
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)