Home Insurance in Agua Dulce, Texas
The median home value in Agua Dulce is $85,000, 59% lower than the Nueces County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Agua Dulce was built around 1958. About 56% of homes were built before 1960, about 35 points above Nueces County's 21%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Agua Dulce is 92% single-family homes and 8% mobile or manufactured homes.
In Agua Dulce, about 13% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 91% of occupied homes in Agua Dulce are owner-occupied. The vacancy rate is 35%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
72% of homes in Agua Dulce are primarily heated with electricity.
What's the biggest home insurance risk near Agua Dulce? FEMA's National Risk Index points to hurricane (Very High) in Nueces County and Nueces County had 26,066 active NFIP flood policies as of September 2026. See the full Nueces County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Texas is $2,864 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $85,000 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 13% |
| Top county hazard | Hurricane (Very High) |
| Active NFIP policies in Nueces County | 26,066 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
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)