HomeInsuranceQts

Home Insurance in Brazoria County, Texas

Homes in Brazoria County carry a median value of $301,600 - 6% higher than the Texas median.

The typical home in Brazoria County was built around 1996. About 8% of homes were built before 1960, about 5 points below Texas's 12%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.

In Brazoria County, the housing stock is 76% single-family homes, 13% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.

In Brazoria County, about 61% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

About 74% of occupied homes in Brazoria County are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.

48% of homes in Brazoria County are primarily heated with electricity.

FEMA's National Risk Index lists tornado (Relatively High), hurricane (Relatively High) and inland flooding (Relatively High) as the leading hazards for Brazoria County.

Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Brazoria County has 28,316 active NFIP flood policies on file.

In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).

85 licensed insurance agencies serve this area.

Key figures

Median home value$301,600
Median year built1996
Owner-occupied share74%
Share of owner-occupied homes with a mortgage61%
Top hazards (FEMA National Risk Index)Tornado (Relatively High), Hurricane (Relatively High), Inland Flooding (Relatively High)
Active NFIP flood policies (county)28,316
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)

Towns and cities

Licensed insurance agencies in Brazoria County

...and 25 more licensed agencies.

Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt

Sources