Home Insurance in Bailey's Prairie, Texas
Homes in Bailey's Prairie carry a median value of $396,600 - 31% higher than the Brazoria County median.
The typical home in Bailey's Prairie was built around 1987. About 12% of homes were built before 1960, about 4 points above Brazoria County's 8%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Bailey's Prairie, the housing stock is 98% single-family homes and 2% mobile or manufactured homes.
About 50% of owner-occupied homes in Bailey's Prairie have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 91% of occupied homes in Bailey's Prairie are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Bailey's Prairie, 69% of homes are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Brazoria County's top FEMA-rated hazard is tornado (Relatively High), per FEMA's National Risk Index. 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.
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 | $396,600 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Brazoria County | 28,316 |
| 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)