Home Insurance in George West, Texas
The median home value in George West is $151,700, close to the Live Oak County median.
The typical home in George West was built around 1984. About 10% of homes were built before 1960, about 1 point below Live Oak County's 12%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In George West, the housing stock is 71% single-family homes, 1% apartments in buildings with 5+ units and 21% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
44% of owner-occupied homes in George West carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 62% of occupied homes in George West are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in George West - 89% - are primarily heated with electricity.
Live Oak County's top FEMA-rated hazard is hurricane (Relatively Low), per FEMA's National Risk Index. Live Oak County had 98 active NFIP flood policies as of September 2026. See the full Live Oak County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Texas is $2,864 per year, according to the NAIC homeowners insurance report (2023 data).
2 licensed insurance agencies serve this area.
Key figures
| Median home value | $151,700 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Live Oak County | 98 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in George West
- LIVE OAK INSURANCE AGENCY INC, George West (General Lines Agency)
- STAG ASSOCIATES, LLC, George West (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)