Home Insurance in Freeport, Texas
Homes in Freeport carry a median value of $135,900 - 55% lower than the Brazoria County median.
The typical home in Freeport was built around 1969. About 40% of homes were built before 1960, about 33 points above Brazoria County's 8%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Freeport, the housing stock is 75% single-family homes, 12% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
33% of owner-occupied homes in Freeport carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 59% of occupied homes in Freeport are owner-occupied. The vacancy rate is 24%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
52% of homes in Freeport 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).
2 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $135,900 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 33% |
| 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 Freeport
- DISCOUNT INSURANCE INC, Freeport (General Lines Agency)
- TRI-CORS INSURANCE SERVICES, LLC, Freeport (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)