Home Insurance in Odem, Texas
Homes in Odem carry a median value of $89,400 - 54% lower than the San Patricio County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Odem was built around 1976. About 19% of homes were built before 1960, about 2 points above San Patricio County's 17%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Odem is 89% single-family homes, 2% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
About 37% of owner-occupied homes in Odem have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 71% of occupied homes in Odem are owner-occupied.
In Odem, 82% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Odem? 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Texas carries a statewide average premium of $2,864 per year.
This area lists 1 licensed insurance agencies.
Key figures
| Median home value | $89,400 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 37% |
| 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 Odem
- MALCOLM SAGER INC, Odem (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)