Home Insurance in Alvin, Texas
Homes in Alvin carry a median value of $228,700 - 24% lower than the Brazoria County median.
The typical home in Alvin was built around 1985. About 10% of homes were built before 1960, about 2 points above Brazoria County's 8%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Alvin, the housing stock is 59% single-family homes, 24% apartments in buildings with 5+ units and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
57% of owner-occupied homes in Alvin carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Alvin has an owner-occupancy rate of 61% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
58% of homes in Alvin are primarily heated with electricity.
What's the biggest home insurance risk near Alvin? FEMA's National Risk Index points to tornado (Relatively High) in Brazoria County and Brazoria County had 28,316 active NFIP flood policies as of September 2026. See the full Brazoria County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Texas carries a statewide average premium of $2,864 per year.
9 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $228,700 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Brazoria County | 28,316 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Alvin
- A BURR INSURANCE AGENCY INC, Alvin (General Lines Agency)
- DESIREE'S PREMIER INSURANCE AGENCY, LLC, Alvin (General Lines Agency)
- DILLMAN AGENCY INC, Alvin (General Lines Agency)
- INDEPENDENT INSURANCE COUNSELORS, LLC, Alvin (General Lines Agency)
- INSURANCE PLUS+ AGENCIES LLC, Alvin (General Lines Agency)
- L.A. INSURANCE AGENCY TX70, LLC, Alvin (General Lines Agency)
- MIKE BLANCHARDS INSURANCE SERVICES INC, Alvin (General Lines Agency)
- PETERS INSURANCE AGENCY INC, Alvin (General Lines Agency)
- VELA & VELA AGENCIES INC, Alvin (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
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)
- Texas Department of Insurance - licensed agencies (2026)