Home Insurance in Woodsboro, Texas
With a median home value of $112,500, Woodsboro is 14% higher than the Refugio County median.
The typical home in Woodsboro was built around 1967. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 33% of homes were built before 1960, about 5 points above Refugio County's 28%.
The housing stock in Woodsboro is 87% single-family homes and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
17% of owner-occupied homes in Woodsboro carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Woodsboro has an owner-occupancy rate of 76% and a vacancy rate of 25%; unoccupied homes typically need a different coverage form.
74% of homes in Woodsboro are primarily heated with electricity.
What's the biggest home insurance risk near Woodsboro? FEMA's National Risk Index points to hurricane (Relatively Moderate) in Refugio County and Refugio County had 106 active NFIP flood policies as of September 2026. See the full Refugio County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
2 licensed insurance agencies serve this area.
Key figures
| Median home value | $112,500 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 17% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Refugio County | 106 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Woodsboro
- 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
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)