A plain-language look at homeowners coverage for Refugio: local context, cost drivers, and how to compare quotes without guesswork.
What makes Refugio, TX different
Around 2,855 people live in Refugio and lies within Refugio County.
Refugio is part of the Refugio County area, and there routine insurance shopping is shaped more by the features of each home and carrier appetite than by any single landmark.
The housing stock is a mix of single-family homes typical of the Refugio County area, but replacement cost, roof age, and construction type still account for most premium differences block by block.
Insurers in North Texas often price in severe thunderstorms, hail, and tornado risk common across the Plains.
What residents pay for home insurance in Refugio
The typical homeowners insurance premium in Refugio, TX is about $1,494 annually for a typical local home (typical local home value about $267,500). For a $300,000 dwelling, expect around $1,633 per year; for a $600,000 home about $2,298; and for a $1,000,000 dwelling about $2,990. Freedom Insurance Group rates are often about 36% lower — near $956 per year for a typical home, roughly $1,045 for a $300,000 home, about $1,471 for a $600,000 home, and around $1,914 for a $1,000,000 home.
| Dwelling Coverage Limits | Average Annual Premium (incl. Windstorm & Hail Coverage) |
|---|---|
| $100,000 – $200,000 | $1,270 |
| $200,000 – $300,000 | $1,419 |
| $300,000 – $400,000 | $1,742 |
| $400,000 – $500,000 | $1,972 |
| $500,000 – $600,000 | $2,195 |
| $600,000 – $700,000 | $2,370 |
| $700,000 – $800,000 | $2,515 |
| $800,000 – $900,000 | $2,705 |
| $900,000 – $1,000,000 | $2,895 |
Band premiums are midpoints on the Refugio dwelling curve (typical local home value about $267,500). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Refugio, TX, using a typical local home value of about $267,500. Freedom figures apply an approximate 36% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
What affects home insurance prices in Refugio
A Refugio home insurance price is built from several interlocking factors underwriters weigh together. Look for rebuild cost, the roof’s age and type, and storm and wildfire exposure to matter most. The deductible you pick and your claims record can swing the final price as much as the carrier brand.
Replacement cost is a straightforward idea: what would it cost to rebuild this home right now, using comparable materials, at current labor and supply prices? What the insurer might pay follows the rebuild estimate, which is why larger Refugio rebuild numbers tend to mean a higher price.
Construction type and roof details also matter: frame versus masonry walls, roof covering, and overall build quality shape how a property holds up in wind, hail, and fire common across Texas.
Location risk is why two comparable houses may not match on price: insurers grade storm, hail, wildfire, and crime risk by ZIP code and neighborhood in Refugio.
Underwriters rate fire protection using protection class and hydrant and station distance; better protection often brings a better rate.
Claims history remains a major rating input: recent claims on the property or household frequently raise rates for Refugio renewals and new business quotes too.
Credit-based insurance score is a lever too in states that allow it: insurers relying on it usually charge less for stronger scores.
Homeowners policy coverages, A through F
- Dwelling (Coverage A): When a covered loss hits, this limit covers rebuilding the structure; make sure it tracks current local reconstruction costs.
- Other structures (B): This portion applies to detached features such as a garage, shed, fence, or similar buildings that are not attached to the main house.
- Coverage C, personal property: This covers furniture, clothing, and everyday belongings inside the home, with special limits that may apply to higher-value categories.
- Loss of use (Coverage D): This coverage can help with additional living expenses when a covered claim makes the home temporarily unlivable during repairs.
- Personal liability (Coverage E): This applies when you are legally responsible for harm to other people or their property resulting from a covered incident.
- Medical payments (F): If a visitor is injured at your home, it helps with their medical bills, frequently with no formal liability claim.
Common discounts for Refugio, TX homeowners
| Discount | What it means | Typical amount |
|---|---|---|
| New Home | New construction recently purchased | up to 40% |
| Age of home (5 yrs) | Newer homes | up to 26% |
| Bundle | Home and auto together | up to 25% |
| Upgrades | Electrical, plumbing, heating, roof updates | up to 20% |
| Hail-resistant roof | Class 1–4 impact roof | up to 12% |
| Claims-free | Multi-year claims-free history | up to 5% |
| Security / alarms | Monitored fire or burglar alarm | up to 4% |
| Paid in full | Pay annual premium upfront | up to 7% |
Which discounts apply and how much they are worth vary by carrier. “Up to” is the high end, not a guarantee.
Refugio housing stock and storm history
Since 2000, Refugio County has appeared in 10 major disaster declarations; the most recent was Hurricane Beryl (July 2024).
ACS 2020–2024 estimates put about 1,176 housing units in Refugio, and owner-occupants live in about 59% of the occupied homes. Looking at building types, 72% are detached single-family houses, 17% are in buildings with two or more units, and 9.7% are mobile homes.
The median home in Refugio was built in 1967. About 69% of homes predate 1980, which means system and roof updates often come up in underwriting.
Tornadoes are part of the picture too: NOAA lists 1 tornado starting within 10 miles of Refugio between 2016 and 2025, the most intense an EF0 in March 2018.
Home heating in Refugio runs mainly on electricity (76%) and utility gas (23%).
NOAA’s Storm Events Database lists 1 hail report within about 5 miles of Refugio from 2016 through 2025; it measured at least an inch. Top size was 1.5 inches in June 2017 near Refugio.
The National Risk Index from FEMA shows elevated ratings for hurricane (“Relatively Moderate”) in Refugio County.
Refugio was incorporated on February 1, 1842. The Census Bureau counted 2,941 people in Refugio at the 2000 Census and 2,890 at the 2010 Census; its July 2024 estimate is 2,788. The population has stayed fairly steady since 2000.
Earlier hail records help too: the Storm Prediction Center lists 9 hail reports within 5 miles of Refugio between 1955 and 2015; the biggest stones, 2.75 inches, fell on December 31, 1994. 1 of those reports were 2 inches or larger. NOAA Storm Prediction Center records list 12 tornadoes that began within 10 miles of Refugio from 1950 through 2015, the strongest an F2 on May 18, 1965.
Comparing homes in nearby towns? Nearby home insurance pages: Rockport (23 mi), Sinton (23 mi), and Tivoli (26 mi).
ZIP codes we insure in and around Refugio
78377
Refugio, TX home and auto bundling
Illustrated average bundle savings, not guaranteed. Actual savings come down to the carriers and drivers involved.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Refugio, Texas | $258 | $436 | $636 |
Ways to save on home insurance in Refugio
- Compare multiple carriers, because risk appetite differs.
- Bundle home and auto when it truly lowers the package price.
- Raise deductibles only if you can handle the out-of-pocket cost.
- Ask about roof, alarm, and claims-free credits that fit your home.
Browse Texas coverage options
Compare home insurance quotes in Refugio, TX
Freedom Insurance Group compares 25+ carriers for Refugio residents. Request a free home quote online or phone (800) 253-1482.
