Home Insurance in Victoria County, Texas
Homes in Victoria County carry a median value of $209,900 - 26% lower than the Texas median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Victoria County was built around 1983. About 20% of homes were built before 1960, about 8 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 Victoria County is 66% single-family homes, 12% apartments in buildings with 5+ units and 11% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Victoria County, about 44% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 65% of occupied homes in Victoria County are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Victoria County, 68% of homes are primarily heated with electricity.
Per FEMA's National Risk Index, Victoria County's top hazards are hurricane (Relatively High), tornado (Relatively Moderate) and wildfire (Relatively Low).
As of September 2026, Victoria County has 1,009 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
The statewide average premium for a standard HO-3 homeowners policy in Texas is $2,864 per year, according to the NAIC homeowners insurance report (2023 data).
19 licensed insurance agencies serve this area.
Key figures
| Median home value | $209,900 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively High), Tornado (Relatively Moderate), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 1,009 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Victoria County
- ALC INSURE INC, Victoria (General Lines Agency)
- APEX PROTECTION, INC., Victoria (General Lines Agency)
- ATZENHOFFER INSURANCE AGENCY, LLC, Victoria (General Lines Agency)
- BENEPLANS INC, Victoria (General Lines Agency)
- BRUCE E WOODS INS AGENCY INC., Victoria (General Lines Agency)
- C & H INSURANCE GROUP, LLC, Victoria (General Lines Agency)
- CHERISHAIKEN LLC, Victoria (General Lines Agency)
- COPICA, LLC, Victoria (General Lines Agency)
- EASLEY INSURANCE AGENCY, INC., Victoria (General Lines Agency)
- ESCALANTE INSURANCE AGENCY, INC, Victoria (General Lines Agency)
- GARRETT INSURANCE ASSOCIATES, INC., Victoria (General Lines Agency)
- HADASSAH COVERAGE SOLUTIONS LLC, Victoria (General Lines Agency)
- JHC INSURANCE AGENCY INC, Victoria (General Lines Agency)
- JUSTIN PACHTA INSURANCE AGENCY, L.L.C., Victoria (General Lines Agency)
- MARISELA GARZA INC., Victoria (General Lines Agency)
- MARTIN & MARTIN INSURANCE AGENCY P C, Victoria (General Lines Agency)
- MUNCRIEF INSURANCE GROUP, LLC., Inez (General Lines Agency)
- THE KEENER AGENCY, LLC, Victoria (General Lines Agency)
- TRCKA ENTERPRISES, INC., Victoria (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)