HomeInsuranceQts

Home Insurance in Nueces County, Texas

Homes in Nueces County carry a median value of $208,800 - 26% lower than the Texas median.

Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Nueces County was built around 1983. About 21% of homes were built before 1960, about 9 points above Texas's 12%.

In Nueces County, the housing stock is 67% single-family homes, 21% 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.

About 52% of owner-occupied homes in Nueces County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.

About 60% of occupied homes in Nueces County are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.

Most homes in Nueces County - 79% - are primarily heated with electricity.

The top hazards for Nueces County, per FEMA's National Risk Index, are hurricane (Very High), tornado (Relatively High) and strong wind (Relatively High).

Nueces County had 26,066 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.

In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).

100 licensed insurance agencies are listed for this area.

Key figures

Median home value$208,800
Median year built1983
Owner-occupied share60%
Share of owner-occupied homes with a mortgage52%
Top hazards (FEMA National Risk Index)Hurricane (Very High), Tornado (Relatively High), Strong Wind (Relatively High)
Active NFIP flood policies (county)26,066
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)

Towns and cities

Licensed insurance agencies in Nueces County

...and 40 more licensed agencies.

Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt

Sources