Situated along I-37, US-77 in San Patricio County (70,660 residents; garaging area 78390), 18 federal disaster declarations since 2006 (Welder Fire (2025)) and 1,115 regional enterprises (Restaurants, Hotels & Food Service) shape flood, auto, commercial fleet, and $206,100 property underwriting.
Pre-loaded to $206,100 (Zillow ZHVI (Sept 2026)). In Tier-1 Gulf territory, compare how percentage named-storm or wind/hail deductibles ($4,122 at 2% vs. $10,305 at 5%) affect cash reserves alongside separate NFIP or private flood deductibles.
| Metric | San Patricio Co. | TX Benchmark | Delta / Rating Signal |
|---|---|---|---|
| NOAA Hail (2016–2025) | 13 events (2.75" max, 2025) | 33 median | -20 vs. TX county median |
| Severe Wind & Tornadoes | 25 wind • 3 tornadoes | 30 wind med. | -5 wind events (27.8% rural area) |
| FEMA NFIP Penetration | 2,174 policies (12.2% SFHA) | 504,754 TX total | 2,951 of 24,263 homes in SFHA |
| Disaster Declarations (20-Yr) | 18 federal events | FEMA Title V | Latest: Welder Fire (2025) |
| Typical Dwelling Value | $206,100 | $206,100 med. | 1.00× TX county median (+2.8% pop.) |
| Owner / Renter Split | 67.8% Own / 32.2% Rent | 62.4% / 37.6% | -5.4 pts renter share ($62,919 med. inc.) |
| Commute & Corridors | 86.6% solo (32.1% 30m+) | 38.9% 30m+ | Routes: I-37, US-77, US-181, SH-35 |
| Traffic Fatality Index | 15.7 / 100k | 13.5 / 100k | 1.16× statewide crash mortality |
| Private Businesses (CBP) | 1,115 establishments | NAICS census | Restaurants, Hotels & Food Service (185); Retail Trade & Dealerships (156); Auto Repair, Equipment & Personal Services (113) |
| Appraisal & Jurisdiction | San Patricio County Appraisal District | South Texas | FIPS 48409 • 693.3 sq. mi. |
OpenFEMA maps 2,951 residential structures in high-risk flood zones across San Patricio County across 18 presidential disaster declarations (Welder Fire (2025)). Because homeowner and commercial property forms exclude storm surge and sheet runoff, pairing primary NFIP or private flood is essential.
Traffic along I-37, US-77 (15.7 per-100k fatality rate) combines commuter congestion with tropical street flooding—covered only under Auto Comprehensive. Compare 100/300/100 liability with statutory PIP (§1952.152) and UM/UIM (§1952.101).
For $206,100 homes and 32.2% renter households, voluntary carriers typically write fire/liability on an ex-wind basis while coastal-appointed specialists handle standalone TWIA windstorm. Our producers check underlying ex-wind and HO-4 appetite upfront.
From bay/offshore boats to 1,115 private establishments led by Restaurants, Hotels & Food Service (185) and Retail Trade & Dealerships, we place agreed-value marine hull, commercial auto, General Liability COIs, and surety bonds.
All incorporated places and residential ZCTAs across 693.3 sq. miles (78390, 78368, 78387, 78370, 78336, 78374):
| Place | ZIP | Population | Type |
|---|---|---|---|
| Portland | 78374 | 19,914 | CITY |
| Ingleside | 78362 | 9,573 | CITY |
| Sinton | 78387 | 5,557 | County Seat |
| Mathis | 78368 | 4,413 | CITY |
| Taft | Shared ZCTA | 2,844 | CITY |
| Gregory | 78359 | 2,231 | CITY |
| Odem | 78370 | 1,965 | CITY |
| Taft Southwest | Shared ZCTA | 1,537 | CDP |
| Ingleside on the Bay | 78362 | 787 | CITY |
| Lake City | 78368 | 695 | TOWN |
| San Patricio | 78368 | 376 | CITY |
| Morgan Farm | 78387 | 370 | CDP |
| Lakeshore Gardens-Hidden Acres | 78368 | 337 | CDP |
| Rancho Chico | 78387 | 324 | CDP |
| La Paloma Addition | 78387 | 298 | CDP |
| Edroy | 78370 | 285 | CDP |
Under Texas Insurance Code Ch. 2210, voluntary carriers in designated Gulf catastrophe territory generally exclude wind/hail (ex-wind policy) and reserve standalone TWIA filings for local coastal-appointed agents. We quote flood (2,174 active county contracts), auto, marine, renters, commercial GL/fleet, and eligible ex-wind dwelling coverage.
Never—HO-3, DP-3, and commercial property forms exclude surface water and rising floodwaters. OpenFEMA tracks 2,174 active residential flood policies and 2,951 SFHA structures (12.2%) locally across 18 disaster declarations; compare NFIP and private flood side by side.
Only if your vehicle carries Comprehensive (Other Than Collision) coverage. Collision-only or liability-only policies pay nothing for animal strikes, windshield hail cracks (2.75" peak county stone), theft, or flash-flood submergence.
Under Texas Labor Code §406.005, private employers may elect non-subscriber status, though general contractors and commercial leases across 1,115 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 78390 and statewide. We do not write life insurance, pet insurance, or standalone coastal TWIA windstorm policies.
Digital intake for San Patricio County • Bundle Personal, Property, Flood, or Commercial.
