Home Insurance in Wharton, Texas
With a median home value of $149,400, Wharton is 21% lower than the Wharton County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Wharton was built around 1977. About 20% of homes were built before 1960, about 3 points below Wharton County's 24%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Wharton is 65% single-family homes, 23% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
43% of owner-occupied homes in Wharton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Wharton has an owner-occupancy rate of 54% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
In Wharton, 65% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Wharton? FEMA's National Risk Index points to hurricane (Relatively High) in Wharton County and Wharton County had 1,811 active NFIP flood policies as of September 2026. See the full Wharton County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Texas carries a statewide average premium of $2,864 per year.
This area lists 4 licensed insurance agencies.
Key figures
| Median home value | $149,400 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 43% |
| 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 Wharton
- BREMSER INSURANCE AGENCY INC, Wharton (General Lines Agency)
- INSURANCE NET INCORPORATED, Wharton (General Lines Agency)
- LIZ TAX SERVICES & INSURANCE LLC, Wharton (General Lines Agency)
- SCHULZ INSURANCE AGENCY, LLC, Wharton (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)