Home Insurance in Brookside Village, Texas
With a median home value of $352,300, Brookside Village is 17% higher than the Brazoria County median.
The typical home in Brookside Village was built around 1984. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 6% of homes were built before 1960, about 2 points below Brazoria County's 8%.
In Brookside Village, the housing stock is 95% single-family homes and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 66% of owner-occupied homes in Brookside Village have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Brookside Village has an owner-occupancy rate of 90% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
In Brookside Village, 52% of homes are primarily heated with natural gas.
FEMA rates Brazoria County's overall risk as Relatively Moderate, led by tornado (Relatively High). 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 | $352,300 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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)