Home Insurance in Holiday Lakes, Texas
The median home value in Holiday Lakes is $94,800, 69% lower than the Brazoria County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Holiday Lakes was built around 1984. About 7% of homes were built before 1960, about 1 point below Brazoria County's 8%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Holiday Lakes is 61% single-family homes and 39% mobile or manufactured homes.
About 17% of owner-occupied homes in Holiday Lakes have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 80% of occupied homes in Holiday Lakes are owner-occupied. The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
91% of homes in Holiday Lakes 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Texas carries a statewide average premium of $2,864 per year.
Key figures
| Median home value | $94,800 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 17% |
| 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)