Home Insurance in Point Comfort, Texas
With a median home value of $251,600, Point Comfort is 47% higher than the Calhoun County median.
The typical home in Point Comfort was built around 1970. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 30% of homes were built before 1960, about 9 points above Calhoun County's 21%.
In Point Comfort, the housing stock is 100% single-family homes.
36% of owner-occupied homes in Point Comfort carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 67% of occupied homes in Point Comfort are owner-occupied.
In Point Comfort, 51% of homes are primarily heated with electricity.
Calhoun County's top FEMA-rated hazard is hurricane (Relatively Moderate), per FEMA's National Risk Index. Calhoun County had 1,737 active NFIP flood policies as of September 2026. See the full Calhoun 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.
Key figures
| Median home value | $251,600 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Calhoun County | 1,737 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
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)