Home Insurance in Robstown, Texas
Homes in Robstown carry a median value of $103,000 - 51% lower than the Nueces County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Robstown was built around 1970. About 35% of homes were built before 1960, about 13 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 Robstown is 82% single-family homes, 6% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
28% of owner-occupied homes in Robstown carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 64% of occupied homes in Robstown are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
71% of homes in Robstown 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.
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.
9 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $103,000 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 28% |
| 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 Robstown
- CHARBA INSURANCE AGENCY, INC,., Robstown (General Lines Agency)
- CHEYENNE BORCHERT INSURANCE SERVICES, LLC, Robstown (General Lines Agency)
- DEPOT INSURANCE AGENCY, INC., Robstown (General Lines Agency)
- FLOYD INSURANCE AGENCY, Robstown (General Lines Agency)
- INTEGRITY PIER INSURANCE AGENCY, INC., Robstown (General Lines Agency)
- JOE WILLIE LEE INSURANCE SERVICES, LLC, Robstown (General Lines Agency)
- SECREST CROP INSURANCE, LLC, Robstown (General Lines Agency)
- TEXAS FARM CREDIT SERVICES, Robstown (General Lines Agency)
- TEXAS FARM CREDIT SERVICES FLCA, Robstown (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)