Home Insurance in Kenedy County, Texas
The typical home in Kenedy County was built around 1957. About 57% of homes were built before 1960, about 45 points above Texas's 12%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Kenedy County is 81% single-family homes, 8% apartments in buildings with 5+ units and 11% mobile or manufactured homes.
Almost no owner-occupied homes in Kenedy County carry a mortgage.
Kenedy County has an owner-occupancy rate of 53% and a vacancy rate of 57%; unoccupied homes typically need a different coverage form.
Most homes in Kenedy County - 84% - are primarily heated with electricity.
The top hazards for Kenedy County, per FEMA's National Risk Index, are hurricane (Relatively Low), wildfire (Very Low) and hail (Very Low).
Kenedy County had 2 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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.
Key figures
| Median year built | 1957 |
|---|---|
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 0% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Low), Wildfire (Very Low), Hail (Very Low) |
| Active NFIP flood policies (county) | 2 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
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)