Home Insurance in Refugio, TX

There is no state requirement. Mortgage contracts, HOA rules and some condo bylaws are what usually make coverage mandatory.

Homeowners policies exclude flood, so it takes a separate NFIP or private flood policy. NFIP coverage is available because Refugio is a participating community, and its current flood map took effect in September 2014. In Refugio County, about 1 in 30 homes has an NFIP policy. Buy early, because NFIP coverage generally starts 30 days after purchase.

Yes. TWIA’s designated catastrophe area covers all of Refugio 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.

Pick the deductible you could pay the week after a storm. Percentage deductibles scale with the dwelling limit, so 1% on a $400,000 limit means $4,000 per claim, while flat deductibles stay fixed. With 4 reports of inch-plus hail in Refugio County from 2016 through 2025, it is worth pricing both options.

The median home was built in 1967, and about 69% predate 1980, per Census estimates. Older systems mean more underwriting questions, so have dates for the roof, panel and plumbing ready.

Usually not. FEMA rates drought risk in Refugio County as relatively moderate, and dry spells can shift foundations on clay soil, but standard policies exclude settling and earth movement. Foundation damage caused by a covered plumbing leak is a common exception.

The Refugio appraisal district website (www.refugiocad.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.

From 2016 through 2025, NOAA logged 4 hail reports in Refugio County, 4 of them with stones an inch or larger. FEMA’s National Risk Index rates the county’s hail risk very low. Keep photos of your roof’s condition so a future claim is easier to document.

Yes. About 41% of occupied homes in Refugio are renter-occupied, per Census estimates. Tenants need a renters policy for belongings and liability, while owners who lease a home usually need a landlord (dwelling fire) policy instead of a standard homeowners form.