HomeInsuranceQts

Home Insurance in Corpus Christi, Texas

Homes in Corpus Christi carry a median value of $210,400 - close to the Nueces County median.

The typical home in Corpus Christi was built around 1982. About 22% of homes were built before 1960, in line with Nueces County (21%). Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.

Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Corpus Christi is 67% single-family homes, 22% apartments in buildings with 5+ units and 3% mobile or manufactured homes.

In Corpus Christi, about 54% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

Corpus Christi has an owner-occupancy rate of 58% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.

Most homes in Corpus Christi - 79% - 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).

88 licensed insurance agencies serve this area.

Key figures

Median home value$210,400
Median year built1982
Owner-occupied share58%
Share of owner-occupied homes with a mortgage54%
Top county hazardHurricane (Very High)
Active NFIP policies in Nueces County26,066
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)
Key home insurance figures for Corpus Christi, TX

Licensed insurance agencies in Corpus Christi

...and 28 more licensed agencies.

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

Nearby towns

Sources

Data last updated: 2026-09-29