Home Insurance in San Augustine County, Texas
Homes in San Augustine County carry a median value of $99,900 - 65% lower than the Texas median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in San Augustine County was built around 1989. About 15% of homes were built before 1960, about 2 points above Texas's 12%.
The housing stock in San Augustine County is 60% single-family homes, 2% apartments in buildings with 5+ units and 34% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 24% of owner-occupied homes in San Augustine County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
San Augustine County has an owner-occupancy rate of 75% and a vacancy rate of 39%; unoccupied homes typically need a different coverage form.
Most homes in San Augustine County - 70% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists strong wind (Relatively Moderate), hurricane (Relatively Low) and wildfire (Very Low) as the leading hazards for San Augustine County.
San Augustine County had 29 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.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
This area lists 2 licensed insurance agencies.
Key figures
| Median home value | $99,900 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 24% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively Moderate), Hurricane (Relatively Low), Wildfire (Very Low) |
| Active NFIP flood policies (county) | 29 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in San Augustine County
- STATE INSURANCE AGENCY INC, San Augustine (General Lines Agency)
- WHITTLESEY INSURANCE AGENCY LLC, San Augustine (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)