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Home Insurance in Portland, TX
Side-by-side numbers for Portland, San Patricio County and the state, covering housing, hazards and flood insurance.
$5,074/yr
About $423/mo · ~$300k-$400k dwelling class
$3,009/yr
About $251/mo after modeled shopping discount
About 40.7% below local market estimate
Portland compared with San Patricio County and Texas
| Measure | Portland | San Patricio County | Texas |
|---|---|---|---|
| Median home value | $234,800 | $192,400 | $283,800 |
| Median year built | 1987 | 1982 | 1992 |
| Owner-occupied homes | 63% | 67% | 63% |
| Single-family detached | 71% | 70% | 64% |
| Built before 1980 | 43% | 48% | 33% |
| Built 2000 or later | 35% | 31% | 39% |
| Manufactured homes | 1% | 9% | 6% |
Homes in Portland are newer than the county norm, with a median build year of 1987 against 1982 for San Patricio County. Manufactured homes are less common in Portland (1% of units) than across San Patricio County (9%).
Median home value: $234,800, according to the latest five-year Census survey. That is well above the San Patricio County median of $192,400. Your dwelling limit should be built from square footage, materials and local labor costs rather than what the house would sell for.
San Patricio County hazards and storm counts
| 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 | – |
San Patricio County lands in the relatively moderate category of FEMA’s National Risk Index. The individual hazards that stand out are hurricanes (relatively high), drought (relatively high) and cold waves (relatively high).
Since 2000, San Patricio County has been included in 12 federal major disaster declarations for natural hazards. The latest declarations were Hurricane Beryl (2024), Severe Winter Storms (2021) and Hurricane Harvey (2017).
Coverage takeaways for Portland
- The part of Portland in San Patricio County is inside the Texas Windstorm Insurance Association’s designated catastrophe area, because San Patricio 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.
- Because Portland is an NFIP participating community, homeowners can buy National Flood Insurance Program coverage. The effective FEMA flood map for the community is from October 2022. NFIP data counts 2,174 residential flood policies in San Patricio County, about 1 for every 11 homes. Policyholders in the county have filed 490 NFIP claims since 2016. Remember that flood is excluded from homeowners policies and NFIP coverage usually starts 30 days after purchase.
- The median home in Portland was built in 1987. About 43% of homes went up before 1980, while 35% were built in 2000 or later. Original water heaters and supply lines in homes of this age are a frequent source of water claims, so replacing them can make a home easier to insure.
Local offices and records
Before you request quotes, pull your record from the San Patricio appraisal district at www.sanpatcad.org; the Texas Comptroller’s San Patricio County directory lists its contact details. The district office address is 1301 E. Sinton St. Suite B Sinton, TX 78387-2653. Severe weather warnings for Portland come from the NWS Corpus Christi, TX office. The radar the weather service assigns to this point is KCRP.
Most of Portland lies in San Patricio County, and the city limits also reach into Nueces County. The Corpus Christi metro area counts San Patricio County among its central counties. By straight-line distance, Portland is about 13 miles northwest of Corpus Christi.
FAQ: Portland home insurance
Which weather risks matter for insuring a home in Portland?
Overall, FEMA scores San Patricio County as relatively moderate. The highest individual ratings are for hurricanes (relatively high), drought (relatively high) and cold waves (relatively high). Those are the perils to ask about when you compare deductibles and endorsements.
How often has San Patricio County had federal disaster declarations?
San Patricio County has been included in 12 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.
Do I need a local agent for a Portland home?
No. Portland is about 13 miles northwest of Corpus Christi, and carriers rate by address, not by where the agent sits. An independent agency can compare several carriers for your exact location by phone or online.
Is windstorm insurance through TWIA an option in Portland?
Yes. TWIA’s designated catastrophe area covers all of San Patricio County, one of the 14 first-tier coastal counties. Homes that meet TWIA’s eligibility rules can insure wind and hail there if the homeowners carrier excludes those perils.
Request a Portland homeowners quote
Talk to a licensed Texas Insurance Resources agent at 800-875-4711, or get a quote online.
About the data
Public data current as of October 2026; Census figures are survey estimates. Premium figures in the estimate cards are illustrative models, not quotes.
- NOAA Storm Events Database, San Patricio County
- OMB metro and micro areas
- Census Gazetteer coordinates
- Benchmarks: San Patricio County value, San Patricio County build year, Texas value
- FEMA disaster declarations, San Patricio County
- FEMA Community Status Book
- OpenFEMA flood insurance data, San Patricio County
- TWIA coverage area
- FEMA NRI county ratings, San Patricio County
- Census Bureau ACS five-year data, Portland city: home value, tenure, year built, median year built, structure type, population
- Comptroller economic regions
- NWS Corpus Christi, TX
- Comptroller county directory, San Patricio County