Home Insurance in Castroville, Texas
Homes in Castroville carry a median value of $300,000 - 25% higher than the Medina County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Castroville was built around 1984. About 19% of homes were built before 1960, about 5 points above Medina County's 14%.
The housing stock in Castroville is 82% single-family homes, 5% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
51% of owner-occupied homes in Castroville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Castroville has an owner-occupancy rate of 73% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
In Castroville, 60% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Castroville? FEMA's National Risk Index points to strong wind (Relatively High) in Medina County and Medina County had 401 active NFIP flood policies as of September 2026. See the full Medina 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).
2 licensed insurance agencies serve this area.
Key figures
| Median home value | $300,000 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Medina County | 401 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Castroville
- FRANKE INSURANCE SERVICES, LLC, Castroville (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
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)