Home Insurance in Manvel, Texas
The median home value in Manvel is $338,700, 12% higher than the Brazoria County median.
The typical home in Manvel was built around 2012. About 4% of homes were built before 1960, about 4 points below Brazoria County's 8%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Manvel is 91% single-family homes and 9% mobile or manufactured homes.
In Manvel, about 84% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 81% of occupied homes in Manvel are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 60% of homes in Manvel are primarily heated with natural gas.
Brazoria County had 28,316 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively High). 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).
5 licensed insurance agencies serve this area.
Key figures
| Median home value | $338,700 |
|---|---|
| Median year built | 2012 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 84% |
| 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 Manvel
- AMIGOS INSURANCE GROUP LLC, Manvel (General Lines Agency)
- ANTONIO CARRILLO INSURANCE AGENCY INC, Manvel (General Lines Agency)
- BOYD & MAST INSURANCE SERVICES, INC., Manvel (General Lines Agency)
- LOGIX INSURANCE GROUP LLC, Manvel (General Lines Agency)
- MANVEL INSURANCE AGENCY, LLC, Manvel (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)