Home Insurance in Medina County, Texas
With a median home value of $239,600, Medina County is 16% lower than the Texas median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Medina County was built around 1996. About 14% of homes were built before 1960, about 2 points above Texas's 12%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Medina County is 69% single-family homes, 3% apartments in buildings with 5+ units and 25% mobile or manufactured homes.
In Medina County, about 50% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 84% of occupied homes in Medina County are owner-occupied.
In Medina County, 76% 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, Medina County's top hazards are strong wind (Relatively High), hail (Relatively Moderate) and wildfire (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Medina County has 401 active NFIP flood policies on file.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
This area lists 9 licensed insurance agencies.
Key figures
| Median home value | $239,600 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively High), Hail (Relatively Moderate), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 401 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Medina County
- APIA INC, Castorville (General Lines Agency)
- BRUCKS INSURANCE AGENCY, LLC, Hondo (General Lines Agency)
- CAMERON GARCIA INSURANCE AGENCY INC, Hondo (General Lines Agency)
- CAMPSEY INSURANCE AGENCY, LLC, Devine (General Lines Agency)
- CAPITAL FARM CREDIT, FLCA, Hondo (General Lines Agency)
- FRANKE INSURANCE SERVICES, LLC, Castroville (General Lines Agency)
- GET MORE INSURANCE SERVICES INC, Devine (General Lines Agency)
- SAFEGUARD CROP SERVICES LLC, Lacoste (General Lines Agency)
- THE BALLEW AGENCY, PLLC, Castroville (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)