Bay City has 17,730 residents in 7,342 households. We list 3 agencies for mobile home insurance in Bay City. Here is what the local numbers say about the cover people here need.

Bay City at a glance

3mobile home insurance agencies listed
54.2%of households rentRenters insurance
$160,800median home valueHome insurance
1979median year homes were builtRebuild cost calculator
7.2%of households have no carAuto insurance
7.9%of homes are mobile homesMobile home insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Matagorda County

FEMA rates the overall natural hazard risk in Matagorda County, where most Bay City agencies we list are located, as Relatively Low compared with other U.S. counties. The hazards it rates highest:

HurricaneRelatively High
Home policies that cover wind often carry a separate hurricane deductible, set as a percentage of the home’s insured value (typically 1% to 5%). Flooding from the storm needs a flood policy.
Home insurance in Bay City

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Texas

Texas requires drivers to carry at least $30,000 of bodily injury liability per person, $60,000 per accident and $25,000 of property damage liability, often written 30/60/25.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Bay City How much liability cover do you need?

Source: tdi.texas.gov. Checked 2026-10-24.

Where Bay City agencies are

Bay City agencies we list sit in 2 ZIP codes, mostly in Matagorda County.

774042 agencies
774141 agency

Questions

Mobile Home insurance in Bay City

All insurance agencies in Bay City · Mobile Home insurance across Texas

Where can I find mobile home insurance in Bay City?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does mobile home insurance cover?

Written for manufactured and mobile homes, which standard home policies exclude.

Do I need flood insurance in Bay City?

FEMA's National Risk Index rates coastal flooding risk in Matagorda County as Relatively Moderate compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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