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Home Insurance in Nixon, TX
How Nixon homes and hazards compare with Gonzales County and Texas as a whole, and what the differences mean for your policy.
$3,540/yr
About $295/mo · ~$300k-$400k dwelling class
$1,975/yr
About $165/mo after modeled shopping discount
About 44.2% below local market estimate
Nixon, Gonzales County and Texas side by side
| Measure | Nixon | Gonzales County | Texas |
|---|---|---|---|
| Median home value | $74,900 | $159,100 | $283,800 |
| Median year built | 1980 | 1983 | 1992 |
| Owner-occupied homes | 67% | 66% | 63% |
| Single-family detached | 60% | 64% | 64% |
| Built before 1980 | 50% | 46% | 33% |
| Built 2000 or later | 10% | 27% | 39% |
| Manufactured homes | 31% | 22% | 6% |
Home ages in Nixon are close to the Gonzales County pattern (median year built 1980 versus 1983). Manufactured homes are more common in Nixon (31% of units) than across Gonzales County (22%).
Census data shows a median home value of $74,900 in Nixon. The county-wide figure is higher, at $159,100. Sale prices and rebuild costs can diverge in either direction, which is why carriers run their own replacement-cost estimate for the dwelling limit.
Hazard ratings for Gonzales County
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Relatively Moderate | 16 hail reports |
| Tornadoes | Relatively Moderate | 0 tornadoes |
| Strong wind | Relatively Moderate | 13 thunderstorm wind reports |
| Inland flooding | Relatively Moderate | 15 flash floods |
| Hurricanes | Relatively Moderate | – |
| Wildfire | Relatively Low | – |
| Winter weather | Relatively Low | – |
| Drought | Relatively Moderate | – |
| Lightning | Relatively Moderate | – |
In FEMA’s National Risk Index, Gonzales County carries an overall rating of relatively moderate. Among individual perils, the top ratings go to hail (relatively moderate), tornadoes (relatively moderate) and hurricanes (relatively moderate).
Since 2000, Gonzales County has been included in 9 federal major disaster declarations for natural hazards. The latest declarations were Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024), Severe Winter Storms (2021) and Hurricane Harvey (2017).
Coverage takeaways for Nixon
- There is no TWIA option in Gonzales County, so the homeowners carrier handles wind and hail, and its deductible for those perils can differ from the all-other-perils deductible.
- NFIP flood policies are available in Nixon, a participating community. The effective FEMA flood map for the community is from December 2010. Only about 1 in 59 homes in Gonzales County carries an NFIP policy (134 residential policies). NFIP records show 13 flood claims in the county since 2016. Since homeowners forms exclude flood, plan ahead: most NFIP policies only take effect after a 30-day waiting period.
- Half of the housing in Nixon dates from 1980 or earlier, per Census estimates. Pre-1980 houses are about 50% of the stock, and post-2000 houses about 10%. A middle-aged housing stock means roof age matters a lot: a roof past roughly 15 to 20 years can move a policy to actual cash value roof coverage with some carriers.
Contacts for Nixon homeowners
Your property record, including square footage and year built, is on the Gonzales appraisal district site at www.gonzalescad.org (phone 830-672-2879). You can also visit the office at 301 Saint Joseph St. Ste. A Gonzales TX 78629. Watches and warnings for Nixon are issued by NWS Austin/San Antonio, TX. Its assigned radar site for Nixon is KEWX.
While a slice of Nixon is in Wilson County, the bulk of it belongs to Gonzales County. Gonzales County is not part of a metropolitan or micropolitan area in the federal delineation. Head about 36 miles from Nixon and you reach New Braunfels, the nearest larger city.
Questions Nixon homeowners ask
Which weather risks matter for insuring a home in Nixon?
FEMA’s National Risk Index rates overall risk in Gonzales County as relatively moderate. The top-rated hazards are hail (relatively moderate), tornadoes (relatively moderate) and hurricanes (relatively moderate). Flood is the one that needs its own policy; the others are generally covered perils with deductibles.
Has Nixon been part of a FEMA disaster declaration?
Since 2000, FEMA has declared 9 natural-hazard major disasters that include Gonzales County. The most recent was Severe Storms, Straight-line Winds, Tornadoes, and Flooding, declared in May 2024. Disaster aid rarely covers a full rebuild, which is why adequate limits matter.
Do I have to carry homeowners insurance in Nixon?
No Texas law requires it, but mortgage lenders almost always do, and they can buy costly force-placed coverage if your policy lapses.
Is windstorm insurance through TWIA an option in Nixon?
No. Gonzales 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.
Compare Nixon home insurance quotes
Talk to a licensed Texas Insurance Resources agent at 800-875-4711, or get a quote online.
Sources and methodology
All public data on this page was pulled in October 2026. Census numbers are survey estimates. Price estimates near the top are Texas Insurance Resources models for comparison, not quotes or published averages.
- TWIA eligibility
- County and state comparisons: Gonzales County value, Gonzales County build year, Texas value
- Comptroller 2024 regions
- FEMA declared disasters, Gonzales County
- Census Bureau ACS five-year data, Nixon city: structure type, tenure, population, year built, median year built, home value
- NWS Austin/San Antonio, TX
- Comptroller county directory, Gonzales County
- NFIP data (OpenFEMA), Gonzales County
- FEMA National Risk Index, Gonzales County
- NOAA Storm Events Database, Gonzales County
- Census CBSA delineation
- Census Gazetteer files
- Community Status Book (NFIP)