Home Insurance in Petronila, Texas
With a median home value of $263,900, Petronila is 26% higher than the Nueces County median.
The typical home in Petronila was built around 1985. About 19% of homes were built before 1960, about 2 points below Nueces County's 21%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Petronila is 79% single-family homes and 21% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
39% of owner-occupied homes in Petronila carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
All occupied homes in Petronila are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Petronila, 76% of homes are primarily heated with electricity.
Nueces County's top FEMA-rated hazard is hurricane (Very High), per FEMA's National Risk Index. 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 | $263,900 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 39% |
| 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)