Home Insurance in Wharton County, Texas
Homes in Wharton County carry a median value of $189,900 - 33% lower than the Texas median.
The typical home in Wharton County was built around 1980. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 24% of homes were built before 1960, about 11 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 Wharton County is 78% single-family homes, 8% apartments in buildings with 5+ units and 10% mobile or manufactured homes.
About 41% of owner-occupied homes in Wharton County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 72% of occupied homes in Wharton County are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Wharton County - 59% - 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.
Per FEMA's National Risk Index, Wharton County's top hazards are hurricane (Relatively High), hail (Relatively Moderate) and tornado (Relatively Moderate).
As of September 2026, Wharton County has 1,811 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).
13 licensed insurance agencies serve this area.
Key figures
| Median home value | $189,900 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively High), Hail (Relatively Moderate), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 1,811 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Wharton County
- AG 1ST L.L.C., El Campo (General Lines Agency)
- BESEDA INSURANCE AGENCY INC, East Bernard (General Lines Agency)
- BREMSER INSURANCE AGENCY INC, Wharton (General Lines Agency)
- EL CAMPO CYCLE CENTER, LLC, El Campo (General Lines Agency)
- EPIPHANY INSURANCE AGENCY, INC, El Campo (General Lines Agency)
- HERRMANN & ASSOCIATES INS AGENCY INC, El Campo (General Lines Agency)
- INSURANCE NET INCORPORATED, Wharton (General Lines Agency)
- LIZ TAX SERVICES & INSURANCE LLC, Wharton (General Lines Agency)
- ROD INSURANCE GROUP, LLC, El Campo (General Lines Agency)
- RTL INSURANCE AGENCY, LLC, El Campo (General Lines Agency)
- SCHULZ INSURANCE AGENCY, LLC, Wharton (General Lines Agency)
- SHOPPA'S FARM SUPPLY, INC., El Campo (General Lines Agency)
- SMAISTRLA INSURANCE AGENCY, L.C., East Bernard (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)