Home Insurance in Shiner, Texas
With a median home value of $214,400, Shiner is 6% lower than the Lavaca County median.
The typical home in Shiner was built around 1966. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 43% of homes were built before 1960, about 12 points above Lavaca County's 31%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Shiner is 93% single-family homes and 6% mobile or manufactured homes.
53% of owner-occupied homes in Shiner carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 84% of occupied homes in Shiner are owner-occupied.
Most homes in Shiner - 55% - are primarily heated with electricity.
FEMA rates Lavaca County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). Lavaca County had 161 active NFIP flood policies as of September 2026. See the full Lavaca County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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.
1 licensed insurance agencies serve this area.
Key figures
| Median home value | $214,400 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Lavaca County | 161 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Shiner
- NEW LEAF INSURANCE AGENCY LLC, Shiner (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)