Home Insurance in Brazos County, Texas
With a median home value of $296,000, Brazos County is close to the Texas median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Brazos County was built around 1997. About 7% of homes were built before 1960, about 6 points below Texas's 12%.
The housing stock in Brazos County is 56% single-family homes, 25% apartments in buildings with 5+ units and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 57% of owner-occupied homes in Brazos County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 47% of occupied homes in Brazos County are owner-occupied.
Most homes in Brazos County - 63% - are primarily heated with electricity.
FEMA's National Risk Index lists tornado (Relatively High), winter weather (Relatively High) and hail (Relatively Moderate) as the leading hazards for Brazos County.
As of September 2026, Brazos County has 1,344 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
49 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $296,000 |
|---|---|
| Median year built | 1997 |
| Owner-occupied share | 47% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively High), Winter Weather (Relatively High), Hail (Relatively Moderate) |
| Active NFIP flood policies (county) | 1,344 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Brazos County
- 411 CONSULTING, LLC, College Station (General Lines Agency)
- AETEX INSURANCE SERVICES LLC, College Station (General Lines Agency)
- AGGIELAND INSURANCE AGENCY LLC, Bryan (General Lines Agency)
- AGRICULTURAL INSURANCE AGENCY INC, Bryan (General Lines Agency)
- ALRASHED INSURANCE AGENCY INC, College Station (General Lines Agency)
- ALVARENGA FAMILY INSURANCE AGENCIES LLC, Bryan (General Lines Agency)
- AMERITEX INSURANCE GROUP, LLC, Bryan (General Lines Agency)
- ANCO INSURANCE SERVICES OF BRYAN / COLLEGE STATION, INC, Bryan (General Lines Agency)
- AREAWIDE INSURANCE ADVISORS LLC, College Station (General Lines Agency)
- ARIGHT INSURANCE AGENCY, LLC, Bryan (General Lines Agency)
- BEAL & WINN INSURANCE AGENCY, LLC, Bryan (General Lines Agency)
- BUBBA DICKSON INSURANCE AGENCY, LLC, College Station (General Lines Agency)
- COLE CAMPBELL INSURANCE AGENCY, INC., College Station (General Lines Agency)
- COUFAL-PRATER EQUIPMENT, LLC, Bryan (General Lines Agency)
- DEXTER & COMPANY OF CENTRAL TEXAS, INC., College Station (General Lines Agency)
- ELLISON INSURANCE & RISK MANAGEMENT, LLC, College Station (General Lines Agency)
- FIRST GEN INSURANCE SERVICES PLLC, College Station (General Lines Agency)
- FRANK T. LABARBERA INSURANCE AGENCY, INC., College Station (General Lines Agency)
- GREG MYATT AGENCY, LLC, Bryan (General Lines Agency)
- HB INSURANCE AGENCY LLC, Bryan (General Lines Agency)
- HERITAGE SPECIALTY INSURANCE AGENCY, LP, Bryan (General Lines Agency)
- INNOVATIVE CONSUMER INSURANCE ADVISORS, LLC, College Station (General Lines Agency)
- INSURORS GROUP LLC, College Station (General Lines Agency)
- J.S. NOBLES & ASSOCIATES, LLC, College Station (General Lines Agency)
- JONES & ASSOCIATES, INC., Bryan (General Lines Agency)
- JUSTIN RUST INSURANCE, LLC, Bryan (General Lines Agency)
- KASPER INSURANCE GROUP INC, College Station (General Lines Agency)
- KODY AMOS INSURANCE SERVICES, LLC, Bryan (General Lines Agency)
- L. K. INSURANCE GROUP, INC., College Station (General Lines Agency)
- LANCE SNIDER INSURANCE AGENCY INC., Bryan (General Lines Agency)
- MAYEN INSURANCE AGENCY, LLC, Bryan (General Lines Agency)
- MCAULIFFE LLC, College Station (General Lines Agency)
- MYNDE KESSLER INSURANCE AGENCY INC, Bryan (General Lines Agency)
- PATRANELLA INSURANCE ADVISORS, LLC, College Station (General Lines Agency)
- RIA LLC, Bryan (General Lines Agency)
- ROD ZELAYA INSURANCE & FINANCIAL SERVICES, LLC., College Station (General Lines Agency)
- ROLLO INSURANCE GROUP, INC., College Station (General Lines Agency)
- RR-LARA & ASSOCIATES INSURANCE AGENCY LLC, Bryan (General Lines Agency)
- SAM KUVER AGENCY INC, College Station (General Lines Agency)
- SERVICE INSURANCE GROUP INC, Bryan (General Lines Agency)
- SHILLINGS INSURANCE AGENCY LLC, Bryan (General Lines Agency)
- SIG INSURANCE SERVICES LLC, Bryan (General Lines Agency)
- TEXAS LEGENDS INSURANCE SERVICES, LLC, College Station (General Lines Agency)
- THE MONROE KENNEDY GROUP, LLC, Bryan (General Lines Agency)
- THE RSCHEXNAIDER AGENCY, LLC, College Station (General Lines Agency)
- VALOR AGENCY LLC, Bryan (General Lines Agency)
- VERDUGO INSURANCE AGENCY, INC, College Station (General Lines Agency)
- W E GIBSON AGENCY INC, College Station (General Lines Agency)
- WORKFLOW ASSOCIATES LLC, College Station (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
Sources
- 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)