Home Insurance in Taft, Texas
The median home value in Taft is $124,200, 35% lower than the San Patricio County median.
The typical home in Taft was built around 1964. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 41% of homes were built before 1960, about 24 points above San Patricio County's 17%.
Housing in Taft breaks down to 85% single-family homes, 4% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Taft, about 50% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 69% of occupied homes in Taft are owner-occupied.
Most homes in Taft - 59% - are primarily heated with electricity.
What's the biggest home insurance risk near Taft? 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 | $124,200 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 50% |
| 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)