HomeInsuranceQts

Home Insurance in College Station, Texas

With a median home value of $346,700, College Station is 17% higher than the Brazos County median.

The typical home in College Station was built around 1999. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 3% of homes were built before 1960, about 4 points below Brazos County's 7%.

Housing in College Station breaks down to 50% single-family homes, 31% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.

In College Station, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

About 35% of occupied homes in College Station are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.

In College Station, 65% of homes are primarily heated with electricity.

Brazos County had 1,344 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively High). See the full Brazos 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.

25 licensed insurance agencies serve this area.

Key figures

Median home value$346,700
Median year built1999
Owner-occupied share35%
Share of owner-occupied homes with a mortgage60%
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 College Station, TX

Licensed insurance agencies in College Station

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

Nearby towns

Sources

Data last updated: 2026-09-29