Texas's 232 counties range widely in housing age; Karnes ranks 152nd, with 40% of its homes built before 1980.
Before 1960 is when 24% of these homes went up. Galvanized supply lines and cast iron drains were standard then, and after 60-plus years both corrode and crack, often out of sight inside a wall or under a slab.
About 26% of homes went up between 1980 and 1999. Some houses from the late 1970s to the mid-1990s were plumbed with polybutylene, a gray plastic pipe known for failing at fittings. A plumber can tell you in a few minutes whether you have it.
Here 15% of housing is manufactured homes. Check the skirting and the heat tape on the main water line every fall, because that one exposed line is what freezes.
21% of homes were vacant at survey time. A leak in an empty rental or seasonal house can run for days before anyone notices, which is why those losses tend to be larger.
Renters occupy 38% of homes. If you rent, the building is usually the landlord's to repair, but your belongings are only covered by renters insurance.