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Home Insurance in Kenedy, TX
What Kenedy houses look like on paper, including age, type and value, and how each detail feeds into a homeowners quote.
The Kenedy housing stock in numbers
In Kenedy, 40% of occupied homes are lived in by their owners and 68% of units are detached houses. With a renter majority, property owners who lease homes usually need a landlord (DP-1, DP-2 or DP-3) policy, and tenants need their own renters coverage. Census counts roughly 22% of units as vacant, including seasonal homes, and many policies restrict coverage when a house sits unoccupied for an extended period.
Older, newer and in between: Kenedy homes
Half of the housing in Kenedy dates from 1985 or earlier, per Census estimates. 30% of local homes are from 2000 or later, compared with 37% built before 1980. Some homes from the late 1970s through the mid-1990s used polybutylene supply lines, a material some insurers ask about during underwriting.
$3,418/yr
About $285/mo · ~$300k-$400k dwelling class
$1,989/yr
About $166/mo after modeled shopping discount
About 41.8% below local market estimate
How much coverage a Kenedy home needs
Owners in Kenedy put the median value of their homes at $140,300. It tracks the county median of $149,000 fairly closely. Sale prices and rebuild costs can diverge in either direction, which is why carriers run their own replacement-cost estimate for the dwelling limit.
The six parts of a Kenedy homeowners policy
Covers the house. Lenders require it, and it is the base that percentage deductibles are calculated from.
Anything not attached to the house, such as fences, carports and barns. Rural and large-lot properties often need more than the default.
Your belongings. A room-by-room photo inventory makes claims faster.
Extra living costs if a covered loss forces you out during repairs.
Legal defense and damages if someone is hurt on your property or you damage someone else’s.
No-fault medical payments for visitors, usually a few thousand dollars.
Weather backdrop for Kenedy
FEMA’s National Risk Index rates overall natural-hazard risk in Karnes County as relatively low. Among individual perils, the top ratings go to hail (relatively moderate), hurricanes (relatively moderate) and drought (relatively moderate). Hail turned up 8 times in Karnes County in NOAA’s database between 2016 and 2025. Stones of one inch or more showed up in 6 of the reports. The largest reported hail was 2.5 inches on December 24, 2024.
Wind coverage in Karnes County stays inside the homeowners policy because the county is outside TWIA’s coastal territory; compare the wind/hail deductible on every quote. Your flood zone is a quick search away on the FEMA Flood Map Service Center.
Where to look up your Kenedy home
Your property record, including square footage and year built, is on the Karnes appraisal district site at www.karnescad.org (phone 830-780-2433). Its office is at 915 S. Panna Maria Ave. Karnes City, TX 78118-4105.
Karnes County is home to Kenedy. By federal definition Karnes County is rural, outside every metro and micro area. Kenedy lies southeast of San Antonio, around 61 miles away in a straight line.
Kenedy housing and coverage questions
Are most homes in Kenedy old or new?
Half the homes were built by 1985, and roughly 37% are pre-1980, according to the Census Bureau. At this age the roof is the main question, followed by the water heater and supply lines.
What is a typical savings range when switching?
Our illustrative TX Insurance Resources estimate for Kenedy reflects a modeled 41.8% improvement versus the local market anchor. It is an estimate for comparison only; real results vary by home, coverage and carrier.
How do I check what the appraisal district has on file for my Kenedy home?
The Karnes appraisal district website (www.karnescad.org) lists square footage, year built and improvements for your property. Have those, plus your roof’s age and material, ready before you compare quotes.
Should I compare quotes every year in Kenedy?
At least once a year at renewal. A new roof, security system or claim-free history can each change which carrier is cheapest.
Compare Kenedy home insurance quotes
Compare carriers with Texas Insurance Resources. Call 800-875-4711 or request a quote online.
About the data
All public data on this page was pulled in October 2026. Census numbers are survey estimates. The two price cards are modeled estimates from Texas Insurance Resources, not quotes.
- NOAA Storm Events Database, Karnes County
- Comptroller county directory, Karnes County
- Census CBSA delineation
- Census Gazetteer coordinates
- Census ACS 2020–2024, Kenedy city: year built, median year built, population, structure type, home value, tenure
- Benchmarks: Karnes County value, Karnes County build year
- FEMA National Risk Index, Karnes County
- Comptroller 2024 regions
- Texas Windstorm Insurance Association