Home Insurance in Hondo, Texas
With a median home value of $228,400, Hondo is close to the Medina County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Hondo was built around 1975. About 31% of homes were built before 1960, about 17 points above Medina County's 14%.
The housing stock in Hondo is 67% single-family homes, 5% apartments in buildings with 5+ units and 23% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
52% of owner-occupied homes in Hondo carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 64% of occupied homes in Hondo are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Hondo - 68% - are primarily heated with electricity.
FEMA rates Medina County's overall risk as Relatively Low, led by strong wind (Relatively High). 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).
This area lists 3 licensed insurance agencies.
Key figures
| Median home value | $228,400 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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 Hondo
- BRUCKS INSURANCE AGENCY, LLC, Hondo (General Lines Agency)
- CAMERON GARCIA INSURANCE AGENCY INC, Hondo (General Lines Agency)
- CAPITAL FARM CREDIT, FLCA, Hondo (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)