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Home Insurance in Palacios, TX
See where Palacios stands against county and statewide figures before you compare home insurance quotes.
$5,203/yr
About $434/mo · ~$300k-$400k dwelling class
$3,070/yr
About $256/mo after modeled shopping discount
About 41% below local market estimate
How Palacios homes compare
| Measure | Palacios | Matagorda County | Texas |
|---|---|---|---|
| Median home value | – | $172,900 | $283,800 |
| Median year built | – | 1979 | 1992 |
| Owner-occupied homes | 84% | 68% | 63% |
| Single-family detached | 83% | 68% | 64% |
| Built before 1980 | 66% | 52% | 33% |
| Built 2000 or later | 14% | 24% | 39% |
| Manufactured homes | 11% | 12% | 6% |
Owner-occupancy is higher than the county figure (84% versus 68%).
Survey samples in Palacios are small, so use the Matagorda County median home value of $172,900 as a rough guide. Sale prices and rebuild costs can diverge in either direction, which is why carriers run their own replacement-cost estimate for the dwelling limit.
Weather risk in Matagorda County, rated
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Relatively Low | 2 hail reports |
| Tornadoes | Relatively Low | 3 tornadoes |
| Strong wind | Relatively Low | 16 thunderstorm wind reports |
| Inland flooding | Relatively Low | 8 flash floods |
| Hurricanes | Relatively High | – |
| Coastal flooding | Relatively Moderate | – |
| Wildfire | Relatively Low | – |
| Winter weather | Very Low | – |
| Drought | Relatively Moderate | – |
| Lightning | Relatively Moderate | – |
Taking all natural hazards together, FEMA rates Matagorda County relatively low. Hazard by hazard, the strongest scores are for hurricanes (relatively high), coastal flooding (relatively moderate) and lightning (relatively moderate).
Natural hazards have put Matagorda County in 9 federal major disaster declarations since 2000. The most recent include Hurricane Beryl (2024), Severe Winter Storms (2021) and Hurricane Harvey (2017).
Coverage takeaways for Palacios
- TWIA, the state’s windstorm insurer of last resort, covers all 14 first-tier coastal counties, including Matagorda County. That means Palacios can get wind and hail coverage there if private carriers exclude it.
- NFIP flood policies are available in Palacios, a participating community. Its flood map now in force took effect in January 2021. In Matagorda County, roughly 1 home in 7 has federal flood coverage (2,405 residential policies in force). Policyholders in the county have filed 604 NFIP claims since 2016. Since homeowners forms exclude flood, plan ahead: most NFIP policies only take effect after a 30-day waiting period.
- About 66% of homes went up before 1980, while 14% were built in 2000 or later. 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 Palacios details
Insurers often check the appraisal district record, so confirm that what the Matagorda district shows at www.matagorda-cad.org matches your home. The district office address is 2225 Avenue G Bay City, TX 77414-5018. For local warnings, the responsible National Weather Service office is NWS Houston/Galveston, TX. The radar the weather service assigns to this point is KHGX.
Palacios belongs to Matagorda County. Matagorda County is counted in the Bay City micro area, a smaller regional hub. By straight-line distance, Palacios is about 47 miles east of Victoria.
Questions Palacios homeowners ask
How risky is Matagorda County for natural hazards?
FEMA’s National Risk Index rates overall risk in Matagorda County as relatively low. The top-rated hazards are hurricanes (relatively high), coastal flooding (relatively moderate) and lightning (relatively moderate). Those are the perils to ask about when you compare deductibles and endorsements.
Can I get competitive quotes in Palacios from carriers outside the area?
Yes. Pricing depends on your address and home, not the agent’s office. Whether you are in Palacios or Victoria, about 47 miles away, an independent agency can shop multiple carriers remotely.
Do I have to carry homeowners insurance in Palacios?
Texas does not mandate homeowners insurance, yet nearly every mortgage requires it. Owners without a loan still carry the full cost of a fire, hail or theft loss if uninsured.
Has Palacios been part of a FEMA disaster declaration?
Matagorda County has been included in 9 natural-hazard major disaster declarations since 2000. The most recent was Hurricane Beryl, declared in July 2024. Federal aid for homeowners is limited and often comes as SBA disaster loans, so insurance remains the main way to recover.
Get a Palacios home insurance quote
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.
- Comparison figures: Matagorda County value, Matagorda County build year, Texas value
- Comptroller county directory, Matagorda County
- NOAA Storm Events Database, Matagorda County
- TWIA eligibility
- National Risk Index (FEMA), Matagorda County
- Community Status Book (NFIP)
- OpenFEMA NFIP data, Matagorda County
- American Community Survey 2020–2024, Palacios city: median year built, tenure, structure type, population, home value, year built
- Disaster declarations (FEMA), Matagorda County
- NWS Houston/Galveston, TX
- Texas Comptroller regions
- OMB metro and micro areas
- Gazetteer (Census)