Home Insurance in Vidor, Texas
The median home value in Vidor is $131,400, 24% lower than the Orange County median.
The typical home in Vidor was built around 1974. About 21% of homes were built before 1960, about 5 points above Orange County's 16%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Vidor is 62% single-family homes, 15% apartments in buildings with 5+ units and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 46% of owner-occupied homes in Vidor have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Vidor has an owner-occupancy rate of 70% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
Most homes in Vidor - 68% - are primarily heated with electricity.
Orange County's top FEMA-rated hazard is hurricane (Relatively High), per FEMA's National Risk Index. Orange County had 11,771 active NFIP flood policies as of September 2026. See the full Orange County home insurance overview for all FEMA hazard ratings and flood coverage details.
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).
9 licensed insurance agencies serve this area.
Key figures
| Median home value | $131,400 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Orange County | 11,771 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Vidor
- BLACKSHER INSURANCE AGENCY LLC, Vidor (General Lines Agency)
- CHRISTOPHER G MINTON INSURANCE AGENCY INC, Vidor (General Lines Agency)
- FIRST CHOICE INSURANCE SERVICES, LLC, Vidor (General Lines Agency)
- LEVERAGED TECHNOLOGY SOLUTIONS LLC, Vidor (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)
- SOUTHERN COAST INSURANCE AGENCY INC, Vidor (General Lines Agency)
- TRIANGLE INSURANCE AGENCY LLC, Vidor (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)