Home Insurance in McCulloch County, Texas
With a median home value of $150,500, McCulloch County is 47% lower than the Texas median.
The typical home in McCulloch County was built around 1971. About 37% of homes were built before 1960, about 25 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 McCulloch County is 76% single-family homes, 7% apartments in buildings with 5+ units and 7% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 40% of owner-occupied homes in McCulloch County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 67% of occupied homes in McCulloch County are owner-occupied. The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In McCulloch County, 60% of homes are primarily heated with electricity.
FEMA's National Risk Index lists wildfire (Relatively Low), hail (Relatively Low) and winter weather (Relatively Low) as the leading hazards for McCulloch County.
McCulloch County had 14 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).
3 licensed insurance agencies serve this area.
Key figures
| Median home value | $150,500 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Hail (Relatively Low), Winter Weather (Relatively Low) |
| Active NFIP flood policies (county) | 14 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in McCulloch County
- GABRIEL MORENO INSURANCE AGENCY, LLC, Brady (General Lines Agency)
- STAN AMYETT INSURANCE & FINANCIAL SERVICES INC, Brady (General Lines Agency)
- WALKER RICE INSURANCE AGENCY, LLC, Brady (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)