Home Insurance in Brady, Texas
Homes in Brady carry a median value of $138,800 - 8% lower than the McCulloch County median.
The typical home in Brady was built around 1966. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 40% of homes were built before 1960, about 3 points above McCulloch County's 37%.
In Brady, the housing stock is 74% single-family homes, 9% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
52% of owner-occupied homes in Brady carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Brady has an owner-occupancy rate of 55% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
Most homes in Brady - 63% - are primarily heated with electricity.
What's the biggest home insurance risk near Brady? FEMA's National Risk Index points to wildfire (Relatively Low) in McCulloch County and McCulloch County had 14 active NFIP flood policies as of September 2026. See the full McCulloch 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).
This area lists 3 licensed insurance agencies.
Key figures
| Median home value | $138,800 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in McCulloch County | 14 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Brady
- 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
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)