Home Insurance in Bishop, Texas
Homes in Bishop carry a median value of $111,800 - 46% lower than the Nueces County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Bishop was built around 1973. About 37% of homes were built before 1960, about 15 points above Nueces County's 21%.
The housing stock in Bishop is 81% single-family homes, 4% apartments in buildings with 5+ units and 6% 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 Bishop have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 80% of occupied homes in Bishop are owner-occupied.
Most homes in Bishop - 60% - are primarily heated with electricity.
FEMA rates Nueces County's overall risk as Relatively High, led by hurricane (Very High). 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.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
Key figures
| Median home value | $111,800 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 80% |
| 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) |
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)