Home Insurance in Refugio County, Texas
With a median home value of $99,000, Refugio County is 65% lower than the Texas median.
The typical home in Refugio County was built around 1973. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 28% of homes were built before 1960, about 16 points above Texas's 12%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Refugio County is 81% single-family homes, 4% apartments in buildings with 5+ units and 12% mobile or manufactured homes.
About 34% of owner-occupied homes in Refugio County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Refugio County has an owner-occupancy rate of 77% and a vacancy rate of 26%; unoccupied homes typically need a different coverage form.
82% of homes in Refugio County are primarily heated with electricity.
The top hazards for Refugio County, per FEMA's National Risk Index, are hurricane (Relatively Moderate), wildfire (Very Low) and coastal flooding (Very Low).
As of September 2026, Refugio County has 106 active NFIP flood insurance policies. 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).
This area lists 2 licensed insurance agencies.
Key figures
| Median home value | $99,000 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 34% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Wildfire (Very Low), Coastal Flooding (Very Low) |
| Active NFIP flood policies (county) | 106 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Refugio County
- MURKY WATER GROUP, LLC, Woodsboro (General Lines Agency)
- STACY NIEMANN INSURANCE AGENCY, LLC, Woodsboro (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)