Home Insurance in Uvalde County, Texas
The median home value in Uvalde County is $150,800, 47% lower than the Texas median.
The typical home in Uvalde County was built around 1983. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 17% of homes were built before 1960, about 4 points above Texas's 12%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Uvalde County is 72% single-family homes, 6% apartments in buildings with 5+ units and 14% mobile or manufactured homes.
About 30% of owner-occupied homes in Uvalde County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Uvalde County has an owner-occupancy rate of 71% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
Most homes in Uvalde County - 77% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists inland flooding (Relatively Moderate), wildfire (Relatively Low) and hail (Relatively Low) as the leading hazards for Uvalde County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Uvalde County has 278 active NFIP flood policies on file.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
This area lists 1 licensed insurance agencies.
Key figures
| Median home value | $150,800 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 30% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Moderate), Wildfire (Relatively Low), Hail (Relatively Low) |
| Active NFIP flood policies (county) | 278 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Smaller communities
-
Sabinal
- Median home value: $80,100
- Median year built: 1978
- Owner-occupied share: 75%
-
Uvalde
- Median home value: $136,800
- Median year built: 1978
- Owner-occupied share: 67%
Licensed insurance agencies in Uvalde County
- TEXAS AG EQUIPMENT, LLC, Uvalde (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
Sources
- 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)