Home Insurance in Ingleside on the Bay, Texas
The median home value in Ingleside on the Bay is $305,500, 59% higher than the San Patricio County median.
The typical home in Ingleside on the Bay was built around 1976. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 11% of homes were built before 1960, about 6 points below San Patricio County's 17%.
In Ingleside on the Bay, the housing stock is 98% single-family homes.
In Ingleside on the Bay, about 44% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 90% of occupied homes in Ingleside on the Bay are owner-occupied. The vacancy rate is 24%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Ingleside on the Bay - 74% - are primarily heated with electricity.
What's the biggest home insurance risk near Ingleside on the Bay? FEMA's National Risk Index points to hurricane (Relatively High) in San Patricio County and San Patricio County had 2,394 active NFIP flood policies as of September 2026. See the full San Patricio 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).
Key figures
| Median home value | $305,500 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in San Patricio County | 2,394 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
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)