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Home Insurance in Tivoli, TX
Storm reports, flood records and FEMA hazard ratings for Refugio County, with plain-English notes on how hurricanes and drought risks show up in a Tivoli policy.
$4,559/yr
About $380/mo · ~$300k-$400k dwelling class
$2,585/yr
About $215/mo after modeled shopping discount
About 43.3% below local market estimate
Natural hazard profile for Tivoli
Refugio County lands in the very low category of FEMA’s National Risk Index. The individual hazards that stand out are hurricanes (relatively moderate), drought (relatively moderate) and cold waves (relatively moderate).
FEMA rates hurricane exposure relatively moderate here, so coastal-style questions apply: who covers wind, and is flood insured separately?
FEMA rates drought relatively moderate; watering around the foundation in dry months helps, since settling damage is usually excluded.
Cold waves are rated relatively moderate in Refugio County; frozen pipes are the main home insurance concern.
Ten years of storm reports in Refugio County
From 2016 to 2025, 4 hail events were recorded in Refugio County in NOAA’s Storm Events Database. Stones of one inch or more showed up in 4 of the reports. On April 29, 2017, observers reported hail as large as 1.75 inches. NOAA lists 2 tornadoes in Refugio County between 2016 and 2025.
There were also 5 damaging-wind reports from thunderstorms, topping out around 70 mph. Flash flooding was logged 11 times over the same decade.
Since 2000, Refugio County has been included in 9 federal major disaster declarations for natural hazards. Among the most recent are Hurricane Beryl (2024), Severe Winter Storms (2021) and Hurricane Harvey (2017).
Windstorm questions for Tivoli homes
Because Refugio County is among the 14 first-tier coastal counties, Tivoli is eligible for windstorm and hail coverage from TWIA when the private market will not write it.
Flood exposure and the NFIP in Tivoli
Refugio County participates in the NFIP for its unincorporated areas, so federal flood policies can be bought here. In Refugio County, roughly 1 home in 30 has federal flood coverage (101 residential policies in force). Since 2016, 50 NFIP flood claims have come from Refugio County. Since homeowners forms exclude flood, plan ahead: most NFIP policies only take effect after a 30-day waiting period.
Your flood zone is a quick search away on the FEMA Flood Map Service Center.
Tivoli housing in brief
According to the Census Bureau, the typical home in Tivoli went up around 1974. Homes built before 1980 make up about 68% of the total; those built since 2000 account for 13%. Survey samples in Tivoli are small, so use the Refugio County median home value of $99,000 as a rough guide. Your dwelling limit should be built from square footage, materials and local labor costs rather than what the house would sell for.
Where Tivoli homeowners can check the details
Tivoli sits within Refugio County. Refugio County is outside any federally defined metro or micro area. Head about 26 miles from Tivoli and you reach Victoria, the nearest larger city.
Before you request quotes, pull your record from the Refugio appraisal district at www.refugiocad.org; the Texas Comptroller’s Refugio County directory lists its contact details. Its office is at 420 N. Alamo St. Refugio, TX 78377-2504. The NWS Corpus Christi, TX office handles forecasts and storm warnings for Tivoli. Radar coverage comes from the KCRP site.
Tivoli hazard and coverage questions
Is windstorm insurance through TWIA an option in Tivoli?
Yes. Refugio 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.
Does Texas law require home insurance in Tivoli?
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.
Does homeowners insurance cover tornado damage in Tivoli?
Yes, tornado damage is covered as windstorm, subject to your wind and hail deductible. NOAA records show 2 tornadoes in Refugio County from 2016 through 2025, so confirm your dwelling and loss-of-use limits would cover a full rebuild.
How does flood coverage work for a Tivoli home?
A standard homeowners policy will not pay for flood damage, so you need a stand-alone flood policy. Only about 1 in 30 Refugio County homes carries NFIP coverage. New NFIP policies usually take 30 days to start.
Ready to price your Tivoli home?
Talk to a licensed Texas Insurance Resources agent at 800-875-4711, or get a quote online.
Data sources and notes
Data reflects the most recent releases available in October 2026; survey figures carry margins of error. Premium figures in the estimate cards are illustrative models, not quotes.
- NWS Corpus Christi, TX
- Disaster declarations (FEMA), Refugio County
- Comptroller 2024 regions
- NOAA Storm Events Database, Refugio County
- National Risk Index (FEMA), Refugio County
- Census Bureau ACS five-year data, Tivoli CDP: population, home value, structure type, tenure, median year built, year built
- TWIA eligibility
- Census metro delineation
- Gazetteer (Census)
- Benchmarks: Refugio County value, Refugio County build year
- OpenFEMA NFIP data, Refugio County
- Comptroller county directory, Refugio County