Home Insurance in Driscoll, Texas
With a median home value of $100,900, Driscoll is 52% lower than the Nueces County median.
The typical home in Driscoll was built around 1967. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 45% of homes were built before 1960, about 24 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 Driscoll is 72% single-family homes and 28% mobile or manufactured homes.
40% of owner-occupied homes in Driscoll carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Driscoll has an owner-occupancy rate of 42% and a vacancy rate of 25%; unoccupied homes typically need a different coverage form.
88% of homes in Driscoll 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 | $100,900 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 42% |
| 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)