Home Insurance in Ingleside, Texas
The median home value in Ingleside is $189,200, close to the San Patricio County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Ingleside was built around 1992. About 12% of homes were built before 1960, about 6 points below San Patricio County's 17%.
In Ingleside, the housing stock is 69% single-family homes, 18% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 48% of owner-occupied homes in Ingleside have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 63% of occupied homes in Ingleside are owner-occupied.
Most homes in Ingleside - 91% - are primarily heated with electricity.
San Patricio County had 2,394 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively High). 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).
2 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $189,200 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 48% |
| 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) |
Licensed insurance agencies in Ingleside
- TANYA M TORRES INSURANCE AGENCY LLC, Ingleside (General Lines Agency)
- THE CONTRERAS AGENCY LLC, Ingleside (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)