Home Insurance in Brackettville, Texas
With a median home value of $83,800, Brackettville is close to the Kinney County median.
The typical home in Brackettville was built around 1977. About 28% of homes were built before 1960, about 13 points above Kinney County's 15%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Brackettville is 81% single-family homes and 15% mobile or manufactured homes.
In Brackettville, about 10% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 24%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 88% of occupied homes in Brackettville are owner-occupied.
91% of homes in Brackettville are primarily heated with electricity.
FEMA rates Kinney County's overall risk as Very Low, led by hail (Relatively Low). Kinney County had 14 active NFIP flood policies as of September 2026. See the full Kinney 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 | $83,800 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 10% |
| Top county hazard | Hail (Relatively Low) |
| Active NFIP policies in Kinney County | 14 |
| 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)