Home Insurance in Portland, Texas
Homes in Portland carry a median value of $234,800 - 22% higher 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 Portland was built around 1987. About 9% of homes were built before 1960, about 8 points below San Patricio County's 17%.
The housing stock in Portland is 72% single-family homes, 23% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 56% of owner-occupied homes in Portland have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 63% of occupied homes in Portland are owner-occupied.
76% of homes in Portland are primarily heated with electricity.
FEMA rates San Patricio County's overall risk as Relatively Moderate, led by hurricane (Relatively High). 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).
6 licensed insurance agencies serve this area.
Key figures
| Median home value | $234,800 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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 Portland
- ANDREW AGUIRRE INSURANCE AGENCY INC, Portland (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)
- TN INSURANCE SERVICES LLC, Portland (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)