Home Insurance in Orange County, Texas
Homes in Orange County carry a median value of $173,400 - 39% lower than the Texas median.
The typical home in Orange County was built around 1983. About 16% of homes were built before 1960, about 3 points above Texas's 12%. 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 Orange County is 72% single-family homes, 8% apartments in buildings with 5+ units and 17% mobile or manufactured homes.
About 47% of owner-occupied homes in Orange County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Orange County has an owner-occupancy rate of 75% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
In Orange County, 67% of homes are primarily heated with electricity.
FEMA's National Risk Index lists hurricane (Relatively High), wildfire (Relatively Moderate) and tornado (Relatively Moderate) as the leading hazards for Orange County.
Orange County had 11,771 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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).
25 licensed insurance agencies serve this area.
Key figures
| Median home value | $173,400 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively High), Wildfire (Relatively Moderate), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 11,771 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Orange County
- ANE INSURANCE AGENCY, INC., Bridge City (General Lines Agency)
- BLACKSHER INSURANCE AGENCY LLC, Vidor (General Lines Agency)
- CAMPISE INSURANCE SERVICES, LLC, Orange (General Lines Agency)
- CHRISTOPHER G MINTON INSURANCE AGENCY INC, Vidor (General Lines Agency)
- CRE INSURANCE SOLUTIONS LLC, Pinehurst (General Lines Agency)
- DUSTY STARK INSURANCE AGENCY, LLC, Orage (General Lines Agency)
- ETL INSURANCE AGENCY LLC, Orange (General Lines Agency)
- FIRST CHOICE INSURANCE SERVICES, LLC, Vidor (General Lines Agency)
- INSURELIFE AGENCY, LLC, Bridge City (General Lines Agency)
- JAMES DYER INSURANCE GROUP LLC, West Orange (General Lines Agency)
- LEGACY TRUCK INSURANCE AGENCY LLC, Pinehurst (General Lines Agency)
- LEVERAGED TECHNOLOGY SOLUTIONS LLC, Vidor (General Lines Agency)
- MANN INSURANCE AGENCY INC, Orange (General Lines Agency)
- MIKE LOWE AGENCY, LLC, Orange (General Lines Agency)
- ONYX INSURANCE GROUP LLC, Pinehurst (General Lines Agency)
- PEACE OF MIND INSURANCE AGENCY LLC, Orange (General Lines Agency)
- PRECISE INSURANCE AGENCY, LLC, Orange (General Lines Agency)
- PREJEAN ENTERPRISES, LLC, Vidor (General Lines Agency)
- RIVER INSURANCE AGENCY, LLC, Vidor (General Lines Agency)
- SETX MH INSURANCE SOLUTIONS, LLC, Vidor (General Lines Agency)
- SMART 1 INSURANCE AGENCY INC., Bridge City (General Lines Agency)
- SOUTHERN COAST INSURANCE AGENCY INC, Vidor (General Lines Agency)
- TK HEALTH INSURANCE SERVICES, LLC, Orange (General Lines Agency)
- TRIANGLE INSURANCE AGENCY LLC, Vidor (General Lines Agency)
- VELMA BENOIT LLC, Bridge City (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
Sources
- 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)