Home Insurance in El Campo, Texas
The median home value in El Campo is $201,400, 6% higher than the Wharton County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in El Campo was built around 1977. About 35% of homes were built before 1960, about 11 points above Wharton County's 24%.
The housing stock in El Campo is 80% single-family homes, 9% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 48% of owner-occupied homes in El Campo have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 60% of occupied homes in El Campo are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in El Campo - 59% - 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).
This area lists 7 licensed insurance agencies.
Key figures
| Median home value | $201,400 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 48% |
| 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 El Campo
- AG 1ST L.L.C., El Campo (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)
- ROD INSURANCE GROUP, LLC, El Campo (General Lines Agency)
- RTL INSURANCE AGENCY, LLC, El Campo (General Lines Agency)
- SHOPPA'S FARM SUPPLY, INC., El Campo (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)