Home Insurance in Bonney, Texas
Homes in Bonney carry a median value of $221,300 - 27% lower than the Brazoria County median.
The typical home in Bonney was built around 1978. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 14% of homes were built before 1960, about 6 points above Brazoria County's 8%.
The housing stock in Bonney is 61% single-family homes, 3% apartments in buildings with 5+ units and 15% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 32% of owner-occupied homes in Bonney have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 27%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 51% of occupied homes in Bonney are owner-occupied.
69% of homes in Bonney 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 | $221,300 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 32% |
| 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)