Home Insurance in Ingram, Texas
With a median home value of $198,000, Ingram is 38% lower than the Kerr County median.
The typical home in Ingram was built around 1974. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 21% of homes were built before 1960, about 9 points above Kerr County's 13%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Ingram is 66% single-family homes and 32% mobile or manufactured homes.
46% of owner-occupied homes in Ingram carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Ingram has an owner-occupancy rate of 56% and a vacancy rate of 22%; unoccupied homes typically need a different coverage form.
In Ingram, 87% of homes are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Kerr County's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. Kerr County had 514 active NFIP flood policies as of September 2026. See the full Kerr 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.
This area lists 2 licensed insurance agencies.
Key figures
| Median home value | $198,000 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Kerr County | 514 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Ingram
- HILL INSURANCE AGENCY, Ingram (General Lines Agency)
- JNC INSURANCE AGENCY, LLC, Ingram (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)