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Home Insurance in Beeville, TX
Beeville homeowners insure against tornadoes and hurricanes first, according to FEMA’s county ratings. This page lays out the local hazard data and what it means for coverage.
$3,184/yr
About $265/mo · ~$300k-$400k dwelling class
$1,917/yr
About $160/mo after modeled shopping discount
About 39.8% below local market estimate
Natural hazard profile for Beeville
In FEMA’s National Risk Index, Bee County carries an overall rating of relatively low. Hazard by hazard, the strongest scores are for tornadoes (relatively moderate), hurricanes (relatively moderate) and lightning (relatively moderate).
With tornadoes rated relatively moderate, check that loss-of-use coverage would carry you through a long rebuild.
FEMA rates hurricane exposure relatively moderate here, so coastal-style questions apply: who covers wind, and is flood insured separately?
FEMA rates lightning relatively moderate here; ask whether electronics damaged by a surge are covered and at what limit.
FEMA rates heat waves relatively moderate; long hot seasons shorten roof life, so keep records of your roof replacement date.
The Bee County storm record, 2016 to 2025
Over the ten years from 2016 to 2025, NOAA recorded 15 hail events across Bee County. Quarter-size or larger stones, an inch and up, appear in 15 of them. The biggest stones, 2.75 inches across, fell on April 30, 2025. Bee County saw 1 tornado in NOAA’s 2016 to 2025 records.
There were also 19 damaging-wind reports from thunderstorms, topping out around 90 mph. Flash flooding was logged 8 times over the same decade.
Natural hazards have put Bee County in 7 federal major disaster declarations since 2000. Among the most recent are Severe Winter Storms (2021), Hurricane Harvey (2017) and Severe Storms, Tornadoes, and Flooding (2007).
Who covers wind in Beeville?
Since Bee County is not a TWIA county, look at how your homeowners policy handles wind and hail, including whether that deductible is a flat amount or a percentage of the dwelling limit.
Flood risk and coverage for Beeville
Because Beeville is an NFIP participating community, homeowners can buy National Flood Insurance Program coverage. Its flood map now in force took effect in May 2010. Across Bee County, 235 residential NFIP policies were in force, roughly 1 for every 35 homes. Since 2016, 24 NFIP flood claims have come from Bee County. Flood needs its own policy, and buying one right before a storm will not help because of the usual 30-day wait.
Your flood zone is a quick search away on the FEMA Flood Map Service Center.
How Beeville homes are built and valued
Census estimates put the median construction year for homes in Beeville at 1974. About 62% of homes went up before 1980, while 6% were built in 2000 or later. Owners in Beeville put the median value of their homes at $94,700. The county-wide figure is higher, at $111,300. Your dwelling limit should be built from square footage, materials and local labor costs rather than what the house would sell for.
Local records and contacts for Beeville
Bee County is home to Beeville. Bee County is counted in the Beeville micro area, a smaller regional hub. Measured point to point, Beeville sits roughly 57 miles northwest of Corpus Christi.
The Bee County appraisal district (www.beecad.org) publishes the square footage, year built and improvements insurers use to estimate rebuild cost. The district office address is 401 N. Washington St. Beeville, TX 78102-3911. Severe weather warnings for Beeville come from the NWS Corpus Christi, TX office. The associated NEXRAD radar is KCRP.
FAQ: Beeville storm and flood coverage
Are tornadoes covered on a Beeville home policy?
Yes. Tornadoes fall under the windstorm peril, so the wind and hail deductible applies. Bee County had 1 tornado in NOAA’s 2016 to 2025 records, which is a good reason to check your dwelling, other-structures and debris-removal limits.
Is flood insurance available in Beeville?
A standard homeowners policy will not pay for flood damage, so you need a stand-alone flood policy. Beeville is an NFIP community, and its current flood map took effect in May 2010. In Bee County, about 1 in 35 homes has an NFIP policy. New NFIP policies usually take 30 days to start.
Can I get TWIA windstorm coverage in Beeville?
No. Bee County is outside TWIA’s designated catastrophe area, so wind and hail are covered by the homeowners policy itself, usually with a separate wind and hail deductible.
Is hail a big risk for Beeville roofs?
Bee County had 15 hail reports in NOAA’s records for 2016 to 2025, 15 of them with stones an inch or larger. FEMA’s National Risk Index rates the county’s hail risk relatively low. Impact-resistant roofing and a deductible you can afford are the two levers worth discussing with an agent.
Compare Beeville home insurance quotes
Compare carriers with Texas Insurance Resources. Call 800-875-4711 or request a quote online.
Where the Beeville numbers come from
Data reflects the most recent releases available in October 2026; survey figures carry margins of error. Premium figures in the estimate cards are illustrative models, not quotes.
- Disaster declarations (FEMA), Bee County
- Comptroller 2024 regions
- FEMA Community Status Book
- TWIA coverage area
- NWS Corpus Christi, TX
- Census CBSA delineation
- Census Gazetteer files
- NFIP data (OpenFEMA), Bee County
- FEMA NRI county ratings, Bee County
- Storm Events Database (NOAA), Bee County
- Comptroller CAD listing, Bee County
- Census Bureau ACS five-year data, Beeville city: home value, structure type, median year built, year built, population, tenure
- Comparison figures: Bee County value, Bee County build year