Home Insurance in McMullen County, Texas
Homes in McMullen County carry a median value of $97,100 - 66% lower than the Texas median.
The typical home in McMullen County was built around 1986. About 28% of homes were built before 1960, about 16 points above Texas's 12%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in McMullen County is 69% single-family homes and 31% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In McMullen County, about 10% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 78% of occupied homes in McMullen County are owner-occupied. The vacancy rate is 41%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In McMullen County, 82% of homes are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, McMullen County's top hazards are hurricane (Very Low), wildfire (Very Low) and hail (Very Low).
As of September 2026, McMullen County has 11 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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.
Key figures
| Median home value | $97,100 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 10% |
| Top hazards (FEMA National Risk Index) | Hurricane (Very Low), Wildfire (Very Low), Hail (Very Low) |
| Active NFIP flood policies (county) | 11 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
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)