Home Insurance in Brazoria, Texas
With a median home value of $162,400, Brazoria is 46% lower than the Brazoria County median.
The typical home in Brazoria was built around 1975. About 21% of homes were built before 1960, about 14 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 Brazoria, the housing stock is 75% single-family homes, 4% apartments in buildings with 5+ units and 17% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
50% of owner-occupied homes in Brazoria carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 64% of occupied homes in Brazoria are owner-occupied.
66% of homes in Brazoria are primarily heated with electricity.
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.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
3 licensed insurance agencies serve this area.
Key figures
| Median home value | $162,400 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 64% |
| 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) |
Licensed insurance agencies in Brazoria
- ORYX INSURANCE GROUP LLC, Brazoria (General Lines Agency)
- SOUTHERN OAKS INSURANCE AGENCY, LLC, Brazoria (Pers Lines Prop and Cas Agency)
- SOUTHERN OAKS INSURANCE AGENCY, LLC, Brazoria (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)