Home Insurance in Kingsville, Texas
The median home value in Kingsville is $149,400, 7% lower than the Kleberg County median.
The typical home in Kingsville was built around 1973. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 31% of homes were built before 1960, about 4 points above Kleberg County's 27%.
In Kingsville, the housing stock is 63% single-family homes, 20% apartments in buildings with 5+ units and 5% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
48% of owner-occupied homes in Kingsville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Kingsville has an owner-occupancy rate of 44% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
75% of homes in Kingsville are primarily heated with electricity.
Kleberg County had 464 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively High). See the full Kleberg 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.
3 licensed insurance agencies serve this area.
Key figures
| Median home value | $149,400 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 44% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Kleberg County | 464 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Kingsville
- 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
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)