HomeInsuranceQts

Home Insurance in Bryan, Texas

Homes in Bryan carry a median value of $227,800 - 23% lower than the Brazos 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 Bryan was built around 1991. About 12% of homes were built before 1960, about 6 points above Brazos County's 7%.

Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Bryan is 58% single-family homes, 23% apartments in buildings with 5+ units and 7% mobile or manufactured homes. The rest are 2-4 unit or other housing types.

About 56% of owner-occupied homes in Bryan have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.

Bryan has an owner-occupancy rate of 51% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.

57% of homes in Bryan are primarily heated with electricity.

FEMA rates Brazos County's overall risk as Relatively Moderate, led by tornado (Relatively High). Brazos County had 1,344 active NFIP flood policies as of September 2026. See the full Brazos 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).

This area lists 24 licensed insurance agencies.

Key figures

Median home value$227,800
Median year built1991
Owner-occupied share51%
Share of owner-occupied homes with a mortgage56%
Top county hazardTornado (Relatively High)
Active NFIP policies in Brazos County1,344
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)
Key home insurance figures for Bryan, TX

Licensed insurance agencies in Bryan

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

Nearby towns

Sources

Data last updated: 2026-09-29