HomeInsuranceQts

Home Insurance in San Angelo, Texas

Homes in San Angelo carry a median value of $187,600 - close to the Tom Green County median.

Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in San Angelo was built around 1978. About 26% of homes were built before 1960, about 2 points above Tom Green County's 23%.

In San Angelo, the housing stock is 74% single-family homes, 19% apartments in buildings with 5+ units and 3% mobile or manufactured homes.

50% of owner-occupied homes in San Angelo carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

San Angelo has an owner-occupancy rate of 61% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.

Most homes in San Angelo - 63% - are primarily heated with electricity.

Tom Green County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. Tom Green County had 511 active NFIP flood policies as of September 2026. See the full Tom Green 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 35 licensed insurance agencies.

Key figures

Median home value$187,600
Median year built1978
Owner-occupied share61%
Share of owner-occupied homes with a mortgage50%
Top county hazardHail (Relatively High)
Active NFIP policies in Tom Green County511
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)
Key home insurance figures for San Angelo, TX

Licensed insurance agencies in San Angelo

Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt

Nearby towns

Sources

Data last updated: 2026-09-29