Home Insurance in Floresville, Texas
Homes in Floresville carry a median value of $241,000 - 25% lower than the Wilson County median.
The typical home in Floresville was built around 1999. About 7% of homes were built before 1960, about 2 points above Wilson County's 6%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Floresville is 65% single-family homes, 10% apartments in buildings with 5+ units and 16% mobile or manufactured homes.
55% of owner-occupied homes in Floresville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 67% of occupied homes in Floresville are owner-occupied.
71% of homes in Floresville are primarily heated with electricity.
FEMA rates Wilson County's overall risk as Relatively Low, led by hail (Relatively Moderate). Wilson County had 187 active NFIP flood policies as of September 2026. See the full Wilson 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 3 licensed insurance agencies.
Key figures
| Median home value | $241,000 |
|---|---|
| Median year built | 1999 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Wilson County | 187 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Floresville
- ROMELDA CANTU LLC, Floresville (General Lines Agency)
- STATE WIDE 1 INSURANCE AGENCY, LLC, Floresville (General Lines Agency)
- TALLEY BENEFITS INSURANCE GROUP LLC, Floresville (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)