Home Insurance in Wilson County, Texas
Homes in Wilson County carry a median value of $321,300 - 13% higher than the Texas median.
The typical home in Wilson County was built around 2000. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 6% of homes were built before 1960, about 6 points below Texas's 12%.
In Wilson County, the housing stock is 68% single-family homes, 2% apartments in buildings with 5+ units and 26% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 56% of owner-occupied homes in Wilson County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 85% of occupied homes in Wilson County are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Wilson County - 85% - 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, Wilson County's top hazards are hail (Relatively Moderate), inland flooding (Relatively Moderate) and tornado (Relatively Moderate).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Wilson County has 187 active NFIP flood policies on file.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
This area lists 9 licensed insurance agencies.
Key figures
| Median home value | $321,300 |
|---|---|
| Median year built | 2000 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively Moderate), Inland Flooding (Relatively Moderate), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 187 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Wilson County
- LA VERNIA INSURANCE AGENCY, INC., La Vernia (General Lines Agency)
- PLATINUM AG INSURANCE LLC, La Vernia (General Lines Agency)
- ROMELDA CANTU LLC, Floresville (General Lines Agency)
- SEMLINGER GROUP, LLC, Poth (General Lines Agency)
- STATE WIDE 1 INSURANCE AGENCY, LLC, Floresville (General Lines Agency)
- STREY INSURANCE AGENCY LLC, La Vernia (General Lines Agency)
- TALLEY BENEFITS INSURANCE GROUP LLC, Floresville (General Lines Agency)
- TOPHAND PARTNERS, LLC, Stockdale (General Lines Agency)
- TWIN CREEK INSURANCE AGENCY, LLC, La Vernia (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)