Home / Texas Home Insurance Locations / Mathis
Home Insurance in Mathis, TX
How Mathis homes and hazards compare with San Patricio County and Texas as a whole, and what the differences mean for your policy.
$4,766/yr
About $397/mo · ~$300k-$400k dwelling class
$3,036/yr
About $253/mo after modeled shopping discount
About 36.3% below local market estimate
Mathis, San Patricio County and Texas side by side
| Measure | Mathis | San Patricio County | Texas |
|---|---|---|---|
| Median home value | $81,500 | $192,400 | $283,800 |
| Median year built | 1972 | 1982 | 1992 |
| Owner-occupied homes | 64% | 67% | 63% |
| Single-family detached | 69% | 70% | 64% |
| Built before 1980 | 73% | 48% | 33% |
| Built 2000 or later | 8% | 31% | 39% |
| Manufactured homes | 9% | 9% | 6% |
The housing stock in Mathis is older than San Patricio County’s overall, by median build year (1972 versus 1982).
Census data shows a median home value of $81,500 in Mathis. The county-wide figure is higher, at $192,400. A home’s market value is a starting point only; the dwelling limit should reflect labor and materials to rebuild it at today’s prices.
Hazard ratings for San Patricio County
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Relatively Low | 13 hail reports |
| Tornadoes | Relatively Moderate | 3 tornadoes |
| Strong wind | Relatively Low | 25 thunderstorm wind reports |
| Inland flooding | Relatively Moderate | 35 flash floods |
| Hurricanes | Relatively High | – |
| Coastal flooding | Relatively Low | – |
| Wildfire | Relatively Low | – |
| Winter weather | Relatively Low | – |
| Drought | Relatively High | – |
| Lightning | Relatively Moderate | – |
Taking all natural hazards together, FEMA rates San Patricio County relatively moderate. Hazard by hazard, the strongest scores are for hurricanes (relatively high), drought (relatively high) and cold waves (relatively high).
Natural hazards have put San Patricio County in 12 federal major disaster declarations since 2000. Recent ones: Hurricane Beryl (2024), Severe Winter Storms (2021) and Hurricane Harvey (2017).
What the comparison means for your policy
- TWIA, the state’s windstorm insurer of last resort, covers all 14 first-tier coastal counties, including San Patricio County. That means Mathis can get wind and hail coverage there if private carriers exclude it.
- The city takes part in the National Flood Insurance Program, which makes federal flood policies available. The flood insurance rate map in effect was issued in November 2016. Only about 1 in 11 homes in San Patricio County carries an NFIP policy (2,174 residential policies). NFIP records show 490 flood claims in the county since 2016. Standard homeowners policies exclude flood, and a new NFIP policy generally has a 30-day waiting period.
- According to the Census Bureau, the typical home in Mathis went up around 1972. 8% of local homes are from 2000 or later, compared with 73% built before 1980. For older houses, rebuilding to current code can cost more than the original structure, which is why ordinance or law coverage is worth pricing.
Where to verify Mathis details
The San Patricio County appraisal district (www.sanpatcad.org) publishes the square footage, year built and improvements insurers use to estimate rebuild cost. Its office is at 1301 E. Sinton St. Suite B Sinton, TX 78387-2653. Watches and warnings for Mathis are issued by NWS Corpus Christi, TX. The associated NEXRAD radar is KCRP.
Mathis is in San Patricio County. In the federal metro delineation, San Patricio County anchors the Corpus Christi metro. Mathis lies northwest of Corpus Christi, around 46 miles away in a straight line.
Questions Mathis homeowners ask
What natural hazards affect Mathis homes most?
San Patricio County is rated relatively moderate overall in FEMA’s National Risk Index. Its standout hazards are hurricanes (relatively high), drought (relatively high) and cold waves (relatively high). Flood is the one that needs its own policy; the others are generally covered perils with deductibles.
Can I get competitive quotes in Mathis from carriers outside the area?
Yes. Pricing depends on your address and home, not the agent’s office. Whether you are in Mathis or Corpus Christi, about 46 miles away, an independent agency can shop multiple carriers remotely.
Does TWIA cover homes in Mathis?
Yes. San Patricio County is one of the 14 first-tier coastal counties in TWIA’s designated catastrophe area, so eligible homes can buy windstorm and hail coverage from TWIA when private carriers exclude it.
How many major disasters has San Patricio County seen?
Since 2000, FEMA has declared 12 natural-hazard major disasters that include San Patricio County. The most recent was Hurricane Beryl, declared in July 2024. FEMA assistance is capped and is not a substitute for insurance.
Ready to price your Mathis home?
Texas Insurance Resources shops multiple carriers for you. Call 800-875-4711 or start online.
Sources and methodology
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.
- Census metro delineation
- Gazetteer (Census)
- Comptroller CAD listing, San Patricio County
- Comparison figures: San Patricio County value, San Patricio County build year, Texas value
- Storm Events Database (NOAA), San Patricio County
- OpenFEMA NFIP data, San Patricio County
- Comptroller 2024 regions
- NWS Corpus Christi, TX
- American Community Survey 2020–2024, Mathis city: year built, median year built, structure type, population, tenure, home value
- Texas Windstorm Insurance Association
- National Risk Index (FEMA), San Patricio County
- NFIP Community Status Book
- FEMA declared disasters, San Patricio County