Home Insurance in Runge, Texas
Homes in Runge carry a median value of $88,500 - 41% lower than the Karnes County median.
The typical home in Runge was built around 1991. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 20% of homes were built before 1960, about 3 points 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 Runge is 50% single-family homes, 5% apartments in buildings with 5+ units and 8% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
39% of owner-occupied homes in Runge carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 38% of occupied homes in Runge are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
81% of homes in Runge 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).
Key figures
| Median home value | $88,500 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 38% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Karnes County | 33 |
| 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)