Home Insurance in Sinton, Texas
Homes in Sinton carry a median value of $142,000 - 26% lower than the San Patricio County median.
The typical home in Sinton was built around 1971. About 32% of homes were built before 1960, about 15 points above San Patricio County's 17%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Sinton is 65% single-family homes, 9% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Sinton, about 37% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 53% of occupied homes in Sinton are owner-occupied.
In Sinton, 66% of homes 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.
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.
3 licensed insurance agencies serve this area.
Key figures
| Median home value | $142,000 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 53% |
| 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 Sinton
- ALLIANCE INSURANCE AGENCY INC, Sinton (General Lines Agency)
- BRIAN NIEMANN AGENCY LLC, Sinton (General Lines Agency)
- MIRANDA GONZALES AGENCY INC., Sinton (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)