Home Insurance in Kleberg County, Texas
With a median home value of $161,300, Kleberg County is 43% lower than the Texas median.
The typical home in Kleberg County was built around 1976. About 27% of homes were built before 1960, about 15 points above Texas's 12%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Kleberg County is 66% single-family homes, 16% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
45% of owner-occupied homes in Kleberg County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 53% of occupied homes in Kleberg County are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Kleberg County, 76% of homes are primarily heated with electricity.
FEMA's National Risk Index lists hurricane (Relatively High), hail (Relatively Moderate) and wildfire (Relatively Low) as the leading hazards for Kleberg County.
As of September 2026, Kleberg County has 464 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
3 licensed insurance agencies serve this area.
Key figures
| Median home value | $161,300 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively High), Hail (Relatively Moderate), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 464 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Kleberg County
- CAN-GO INSURANCE AGENCY, INC., Kingsville (General Lines Agency)
- LESLIE HAKALA INSURANCE AGENCY INC, Kingsville (General Lines Agency)
- TEJAS AUTO INSURANCE AGENCY, LLC, Kingsville (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
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)
- Texas Department of Insurance - licensed agencies (2026)