Home Insurance in Matagorda County, Texas
With a median home value of $172,900, Matagorda County is 39% lower than the Texas median.
The typical home in Matagorda County was built around 1979. About 20% of homes were built before 1960, about 8 points above Texas's 12%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Matagorda County is 71% single-family homes, 10% apartments in buildings with 5+ units and 12% mobile or manufactured homes.
About 37% of owner-occupied homes in Matagorda County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Matagorda County has an owner-occupancy rate of 68% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Matagorda County - 64% - are primarily heated with electricity.
The top hazards for Matagorda County, per FEMA's National Risk Index, are hurricane (Relatively High), wildfire (Relatively Low) and coastal flooding (Relatively Moderate).
Matagorda County had 2,554 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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).
10 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $172,900 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 37% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively High), Wildfire (Relatively Low), Coastal Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 2,554 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Matagorda County
- ALLISON P&C LLC, Bay City (General Lines Agency)
- AMANDA BISHOP INSURANCE SERVICES LLC, Bay City (General Lines Agency)
- BANKER CROP INSURANCE AGENCY INC, Pledger (General Lines Agency)
- BIERWIRTH INSURANCE AGENCY, LLC, Van Vleck (General Lines Agency)
- CLANTON ENTERPRISES, LLC, Bay City (General Lines Agency)
- COASTAL INSURANCE GROUP LLC, Blessing (General Lines Agency)
- DERRICK LOGAN INSURANCE SERVICES, INC., Bay City (General Lines Agency)
- DOUG LIGHT LLC, Bay City (General Lines Agency)
- FOSS HARDY AND ARBUCKLE INS AGCY INC, Bay City (General Lines Agency)
- JACK HOLLISTER INSURANCE AGENCY INC, Bay City (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)