Home Insurance in Victoria, Texas
Homes in Victoria carry a median value of $207,100 - close to the Victoria County median.
The typical home in Victoria was built around 1980. About 23% of homes were built before 1960, about 3 points above Victoria County's 20%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Victoria is 63% single-family homes, 17% apartments in buildings with 5+ units and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
48% of owner-occupied homes in Victoria carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 58% of occupied homes in Victoria are owner-occupied.
In Victoria, 63% of homes are primarily heated with electricity.
Victoria County's top FEMA-rated hazard is hurricane (Relatively High), per FEMA's National Risk Index. Victoria County had 1,009 active NFIP flood policies as of September 2026. See the full Victoria 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).
18 licensed insurance agencies serve this area.
Key figures
| Median home value | $207,100 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Victoria County | 1,009 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Victoria
- 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)
- 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
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)