Home Insurance in Coldspring, Texas
The median home value in Coldspring is $216,800, close to the San Jacinto County median.
The typical home in Coldspring was built around 1990. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 16% of homes were built before 1960, about 8 points above San Jacinto County's 8%.
The housing stock in Coldspring is 55% single-family homes, 19% apartments in buildings with 5+ units and 17% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Coldspring, about 38% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 51% of occupied homes in Coldspring are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Coldspring - 90% - 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 rates San Jacinto County's overall risk as Relatively Low, led by tornado (Relatively Moderate). San Jacinto County had 345 active NFIP flood policies as of September 2026. See the full San Jacinto 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 are listed for this area.
Key figures
| Median home value | $216,800 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in San Jacinto County | 345 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Coldspring
- FIRST FOUNDERS LLC, Coldspring (General Lines Agency)
- MINX INSURANCE AND FINANCIAL SERVICES INC., Coldspring (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)