With 40.1% renter-occupied housing across Brewster County (5,884 residents; postal code 79830) and commuter flow on US-90, US-67, off-campus tenants, student drivers, rental investors, and $236,000 homeowners compare 30+ TDI-admitted carriers in one digital intake.
Set to the $236,000 local single-family benchmark (Zillow City ZHVI (Sept 2026)). Both owner-occupants (59.9%) and DP-3 rental property investors can test 1% ($2,360) through 5% wind/hail deductible tiers across different roof materials.
| Metric | Brewster Co. | TX Benchmark | Delta / Rating Signal |
|---|---|---|---|
| NOAA Hail (2016–2025) | 53 events (3.50" max, 2019) | 33 median | +20 vs. TX county median |
| Severe Wind & Tornadoes | 39 wind • 4 tornadoes | 30 wind med. | +9 wind events (34.2% rural area) |
| FEMA NFIP Penetration | 134 policies (0.0% SFHA) | 504,754 TX total | 0 of 4,785 homes in SFHA |
| Disaster Declarations (20-Yr) | 9 federal events | FEMA Title V | Latest: Flooding (2026) |
| Typical Dwelling Value | $236,000 | $206,100 med. | 1.15× TX county median (-0.3% pop.) |
| Owner / Renter Split | 59.9% Own / 40.1% Rent | 62.4% / 37.6% | +2.5 pts renter share ($52,388 med. inc.) |
| Commute & Corridors | 70.4% solo (20.2% 30m+) | 38.9% 30m+ | Routes: US-90, US-67, SH-118, US-385 |
| Traffic Fatality Index | 13.5 / 100k | 13.5 / 100k | 1.00× statewide crash mortality |
| Private Businesses (CBP) | 290 establishments | NAICS census | Restaurants, Hotels & Food Service (60); Retail Trade & Dealerships (51); Auto Repair, Equipment & Personal Services (30) |
| Appraisal & Jurisdiction | Brewster County Appraisal District | Upper Rio Grande | FIPS 48043 • 6,183.8 sq. mi. |
With 40.1% of occupied units rented across Brewster County, property managers mandate $100k–$300k tenant liability. HO-4 policies also insure electronics, furniture, bikes, and temporary living expenses after covered fire or pipe-burst losses.
High driver turnover along US-90, US-67 increases collision and uninsured claims. Shop multi-carrier personal auto for young drivers, commuter households, non-owner filings, and electronic Texas DPS SR-22 certificates.
Leasing a $236,000 single-family house or duplex voids standard owner-occupied HO-3 coverage. DP-3 landlord policies cover structural wind/hail (39 decade wind events), Fair Rental Value loss of rent, and premises liability.
Serving 290 enterprises across Brewster County, Business Owners Policies combine commercial property, general liability, and business income interruption for restaurants, retail storefronts, and offices.
Spanning 6,183.8 sq. miles across Brewster County, nearby communities share regional storm and court-venue rating factors:
| Place | ZIP | Population | Type |
|---|---|---|---|
| Alpine | 79830 | 5,884 | County Seat |
| Marathon | 79842 | 427 | CDP |
Following 53 NOAA hail reports (peaking at 3.50" in 2019) and 39 high-wind gusts across Brewster County, many carriers depreciate roofs older than 12–15 years onto Actual Cash Value (ACV) schedules. Comparing full Replacement Cost (RCV) carriers alongside $2,360 (1%) vs. $4,720 (2%) deductibles prevents surprise claim gaps.
HO-4 policies satisfy landlord lease mandates ($100k–$300k personal liability), replace stolen or fire/smoke-damaged electronics and furniture at Replacement Cost, and fund Additional Living Expenses if a covered loss makes your apartment uninhabitable.
Texas Transportation Code Ch. 601 sets 30/60/25 statutory minimums, but Brewster County posts a 13.5 per-100k roadway fatality rate and 20.2% 30+ minute commutes. Selecting 100/300/100 with PIP (§1952.152) and UM/UIM (§1952.101) prevents personal wage or asset exposure.
Under Texas Labor Code §406.005, private employers may elect non-subscriber status, though general contractors and commercial leases across 290 local firms frequently require statutory Workers' Comp and Waiver of Subrogation before site access.
Our TDI-licensed producers quote 24 personal, property, flood, recreational, commercial fleet, contractor, and surety lines digitally across postal area 79830 and statewide. We do not write life insurance, pet insurance, or standalone coastal TWIA windstorm policies.
Digital intake for Alpine • Bundle Personal, Property, Flood, or Commercial.
