Home Insurance in Kinney County, Texas
The median home value in Kinney County is $82,000, 71% lower than the Texas median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Kinney County was built around 1983. About 15% of homes were built before 1960, about 2 points above Texas's 12%.
In Kinney County, the housing stock is 74% single-family homes and 24% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
17% of owner-occupied homes in Kinney County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 84% of occupied homes in Kinney County are owner-occupied.
Most homes in Kinney County - 75% - 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.
FEMA's National Risk Index lists hail (Relatively Low), hurricane (Very Low) and wildfire (Very Low) as the leading hazards for Kinney County.
As of September 2026, Kinney County has 14 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
The statewide average premium for a standard HO-3 homeowners policy in Texas is $2,864 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $82,000 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 17% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Low), Hurricane (Very Low), Wildfire (Very Low) |
| Active NFIP flood policies (county) | 14 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)