Home Insurance in San Patricio County, Texas
Homes in San Patricio County carry a median value of $192,400 - 32% lower than the Texas median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in San Patricio County was built around 1982. About 17% of homes were built before 1960, about 5 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 San Patricio County is 71% single-family homes, 11% apartments in buildings with 5+ units and 9% mobile or manufactured homes.
In San Patricio County, about 45% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 67% of occupied homes in San Patricio County are owner-occupied.
77% of homes in San Patricio County are primarily heated with electricity.
The top hazards for San Patricio County, per FEMA's National Risk Index, are hurricane (Relatively High), tornado (Relatively Moderate) and inland flooding (Relatively Moderate).
As of September 2026, San Patricio County has 2,394 active NFIP flood insurance policies. 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).
12 licensed insurance agencies serve this area.
Key figures
| Median home value | $192,400 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively High), Tornado (Relatively Moderate), Inland Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 2,394 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
- Gregory
- Ingleside
- Ingleside on the Bay
- Lake City
- Lakeside
- Mathis
- Odem
- Portland
- San Patricio
- Sinton
- Taft
Licensed insurance agencies in San Patricio County
- ALLIANCE INSURANCE AGENCY INC, Sinton (General Lines Agency)
- ANDREW AGUIRRE INSURANCE AGENCY INC, Portland (General Lines Agency)
- BRIAN NIEMANN AGENCY LLC, Sinton (General Lines Agency)
- MALCOLM SAGER INC, Odem (General Lines Agency)
- MIRANDA GONZALES AGENCY INC., Sinton (General Lines Agency)
- MORRISON INSURANCE GROUP, PC, Portland (General Lines Agency)
- MORRISON INSURANCE SERVICES, LLC, Portland (General Lines Agency)
- PAT FARIAS INSURANCE AGENCY INC, Portland (General Lines Agency)
- PATRIC LUERA INSURANCE AND FINANCIAL SERVICES INC, Portland (General Lines Agency)
- TANYA M TORRES INSURANCE AGENCY LLC, Ingleside (General Lines Agency)
- THE CONTRERAS AGENCY LLC, Ingleside (General Lines Agency)
- TN INSURANCE SERVICES LLC, Portland (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)