Home Insurance in East Bernard, Texas
Homes in East Bernard carry a median value of $341,500 - 80% higher than the Wharton County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in East Bernard was built around 1989. About 20% of homes were built before 1960, about 3 points below Wharton County's 24%.
The housing stock in East Bernard is 95% single-family homes and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In East Bernard, about 72% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 86% of occupied homes in East Bernard are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 48% of homes in East Bernard are primarily heated with electricity.
Wharton County had 1,811 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively High). See the full Wharton 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).
2 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $341,500 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 72% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Wharton County | 1,811 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in East Bernard
- BESEDA INSURANCE AGENCY INC, East Bernard (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
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)