HomeInsuranceQts

Home Insurance in Pearland, Texas

With a median home value of $356,300, Pearland is 18% higher than the Brazoria County median.

The typical home in Pearland was built around 2003. About 1% of homes were built before 1960, about 7 points below Brazoria County's 8%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.

Housing in Pearland breaks down to 82% single-family homes, 14% apartments in buildings with 5+ units and 3% mobile or manufactured homes.

In Pearland, about 68% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

About 76% of occupied homes in Pearland are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.

Most homes in Pearland - 67% - 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).

48 licensed insurance agencies serve this area.

Key figures

Median home value$356,300
Median year built2003
Owner-occupied share76%
Share of owner-occupied homes with a mortgage68%
Top county hazardTornado (Relatively High)
Active NFIP policies in Brazoria County28,316
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)
Key home insurance figures for Pearland, TX

Licensed insurance agencies in Pearland

Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt

Nearby towns

Sources

Data last updated: 2026-09-29