Home Insurance in Port Aransas, Texas
The median home value in Port Aransas is $588,700, 182% higher than the Nueces County median.
The typical home in Port Aransas was built around 1990. About 5% of homes were built before 1960, about 16 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 Port Aransas is 56% single-family homes, 38% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 51% of owner-occupied homes in Port Aransas have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Port Aransas has an owner-occupancy rate of 71% and a vacancy rate of 72%; unoccupied homes typically need a different coverage form.
Most homes in Port Aransas - 88% - are primarily heated with electricity.
What's the biggest home insurance risk near Port Aransas? FEMA's National Risk Index points to hurricane (Very High) in Nueces County and 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Texas carries a statewide average premium of $2,864 per year.
This area lists 1 licensed insurance agencies.
Key figures
| Median home value | $588,700 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 51% |
| 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 Port Aransas
- THIRD COAST INSURANCE SOLUTIONS LLC, Port Aransas (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)