Home Insurance in Aransas Pass, Texas
Homes in Aransas Pass carry a median value of $235,500 - 13% higher than the Nueces County median.
The typical home in Aransas Pass was built around 1991. About 18% of homes were built before 1960, about 4 points below Nueces County's 21%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Aransas Pass is 65% single-family homes, 9% apartments in buildings with 5+ units and 14% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 40% of owner-occupied homes in Aransas Pass have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 66% of occupied homes in Aransas Pass are owner-occupied. The vacancy rate is 27%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 85% of homes in Aransas Pass are primarily heated with electricity.
Nueces County had 26,066 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Very High). 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).
2 licensed insurance agencies serve this area.
Key figures
| Median home value | $235,500 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top county hazard | Hurricane (Very High) |
| Active NFIP policies in Nueces County | 26,066 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Aransas Pass
- DOLPHIN FAMILY INSURANCE SERVICE LLC, Aransas Pass (General Lines Agency)
- ELLER INSURANCE AGENCY, LLC, Aransas Pass (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)