Home Insurance in Cotulla, Texas
The median home value in Cotulla is $93,100, close to the La Salle County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Cotulla was built around 1982. About 28% of homes were built before 1960, about 2 points above La Salle County's 26%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Cotulla is 65% single-family homes, 7% apartments in buildings with 5+ units and 26% mobile or manufactured homes.
About 36% of owner-occupied homes in Cotulla have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Cotulla has an owner-occupancy rate of 72% and a vacancy rate of 26%; unoccupied homes typically need a different coverage form.
Most homes in Cotulla - 79% - are primarily heated with electricity.
La Salle County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. La Salle County had 7 active NFIP flood policies as of September 2026. See the full La Salle 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 | $93,100 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in La Salle County | 7 |
| 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)