Home Insurance in Brazos Country, Texas
The median home value in Brazos Country is $511,600, 72% higher than the Austin County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Brazos Country was built around 1999. About 0% of homes were built before 1960, about 16 points below Austin County's 16%.
The housing stock in Brazos Country is 97% single-family homes and 3% mobile or manufactured homes.
In Brazos Country, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
All occupied homes in Brazos Country are owner-occupied.
Most homes in Brazos Country - 53% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Brazos Country? FEMA's National Risk Index points to tornado (Relatively Moderate) in Austin County and Austin County had 500 active NFIP flood policies as of September 2026. See the full Austin County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Texas is $2,864 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $511,600 |
|---|---|
| Median year built | 1999 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Austin County | 500 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)