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Home Insurance in Bishop, TX
Side-by-side numbers for Bishop, Nueces County and the state, covering housing, hazards and flood insurance.
$4,639/yr
About $387/mo · ~$300k-$400k dwelling class
$2,667/yr
About $222/mo after modeled shopping discount
About 42.5% below local market estimate
Bishop, Nueces County and Texas side by side
| Measure | Bishop | Nueces County | Texas |
|---|---|---|---|
| Median home value | $111,800 | $208,800 | $283,800 |
| Median year built | – | 1983 | 1992 |
| Owner-occupied homes | 80% | 60% | 63% |
| Single-family detached | 81% | 65% | 64% |
| Built before 1980 | 58% | 46% | 33% |
| Built 2000 or later | 15% | 26% | 39% |
| Manufactured homes | 6% | 4% | 6% |
80% of occupied homes are owner-occupied in Bishop, above the Nueces County share of 60%.
Owners in Bishop put the median value of their homes at $111,800. The county-wide figure is higher, at $208,800. Market value includes land and location, so it is not the same as the cost to rebuild; insure the dwelling to a replacement-cost estimate instead.
Nueces County hazards and storm counts
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Relatively Moderate | 13 hail reports |
| Tornadoes | Relatively High | 3 tornadoes |
| Strong wind | Relatively High | 90 thunderstorm wind reports |
| Inland flooding | Relatively High | 103 flash floods |
| Hurricanes | Very High | – |
| Coastal flooding | Relatively Moderate | – |
| Wildfire | Relatively Low | – |
| Winter weather | Relatively Moderate | – |
| Drought | Relatively High | – |
| Lightning | Relatively High | – |
FEMA’s county-level National Risk Index puts Nueces County in the relatively high band overall. Its leading hazards, by rating, are hurricanes (very high), cold waves (very high) and tornadoes (relatively high).
Counting from 2000, 12 major disaster declarations for natural hazards have included Nueces County. The most recent include Hurricane Beryl (2024), Severe Winter Storms (2021) and Hurricane Harvey (2017).
Turning the Bishop numbers into coverage choices
- Bishop is inside the Texas Windstorm Insurance Association’s designated catastrophe area, because Nueces County is one of the 14 first-tier coastal counties. If a private carrier excludes wind and hail, TWIA can fill that gap for eligible properties.
- FEMA lists Bishop as a participating NFIP community. Its current effective flood map dates to October 2022. In Nueces County, roughly 1 home in 6 has federal flood coverage (19,656 residential policies in force). NFIP records show 4,339 flood claims in the county since 2016. Standard homeowners policies exclude flood, and a new NFIP policy generally has a 30-day waiting period.
- Pre-1980 houses are about 58% of the stock, and post-2000 houses about 15%. Older homes can carry original wiring, galvanized or cast-iron plumbing and roofs on their second or third replacement, and underwriters ask about all three.
Where to verify Bishop details
Square footage and build year on file with the Nueces appraisal district (www.ncadistrict.com) feed straight into replacement-cost estimates, so check them for errors. The district office address is 201 N. Chaparral St. Corpus Christi, TX 78401-2503. For local warnings, the responsible National Weather Service office is NWS Corpus Christi, TX. The associated NEXRAD radar is KCRP.
Bishop belongs to Nueces County. Federal statistical definitions place Nueces County at the core of the Corpus Christi metro area. Head about 40 miles from Bishop and you reach Corpus Christi, the nearest larger city.
Questions Bishop homeowners ask
Which weather risks matter for insuring a home in Bishop?
Overall, FEMA scores Nueces County as relatively high. The top-rated hazards are hurricanes (very high), cold waves (very high) and tornadoes (relatively high). Those are the perils to ask about when you compare deductibles and endorsements.
Is home insurance required in Bishop?
No Texas law requires it, but mortgage lenders almost always do, and they can buy costly force-placed coverage if your policy lapses.
Is the median home value in Bishop the right dwelling limit?
Usually not. The median owner-estimated value in Bishop is $111,800, yet that number includes land and location. Carriers estimate replacement cost from size, construction and finishes, and that is what the dwelling limit should follow.
Has Bishop been part of a FEMA disaster declaration?
Since 2000, FEMA has declared 12 natural-hazard major disasters that include Nueces County. The most recent was Hurricane Beryl, declared in July 2024. Disaster aid rarely covers a full rebuild, which is why adequate limits matter.
Request a Bishop homeowners quote
One call to 800-875-4711 or a short online form gets several carriers working on your quote.
Sources for this Bishop page
Data reflects the most recent releases available in October 2026; survey figures carry margins of error. Price estimates near the top are Texas Insurance Resources models for comparison, not quotes or published averages.
- Texas Comptroller regions
- Census Bureau ACS five-year data, Bishop city: home value, population, median year built, tenure, structure type, year built
- Benchmarks: Nueces County value, Nueces County build year, Texas value
- OMB metro and micro areas
- Census Gazetteer coordinates
- Storm Events Database (NOAA), Nueces County
- FEMA Community Status Book
- NWS Corpus Christi, TX
- Texas Windstorm Insurance Association
- Texas property tax directory, Nueces County
- OpenFEMA flood insurance data, Nueces County
- FEMA declared disasters, Nueces County
- National Risk Index (FEMA), Nueces County