Home Insurance in Chambers County, Texas
With a median home value of $329,500, Chambers County is 16% higher than the Texas median.
The typical home in Chambers County was built around 2004. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 7% of homes were built before 1960, about 5 points below Texas's 12%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Chambers County is 79% single-family homes, 6% apartments in buildings with 5+ units and 14% mobile or manufactured homes.
About 60% of owner-occupied homes in Chambers County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Chambers County has an owner-occupancy rate of 82% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
In Chambers County, 60% of homes are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Chambers County's top hazards are hurricane (Relatively Moderate), wildfire (Relatively Low) and tornado (Relatively Moderate).
As of September 2026, Chambers County has 3,573 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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).
This area lists 7 licensed insurance agencies.
Key figures
| Median home value | $329,500 |
|---|---|
| Median year built | 2004 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Wildfire (Relatively Low), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 3,573 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Chambers County
- BHBS INSURANCE AGENCY LLC, Mont Belvieu (General Lines Agency)
- KURO GROUP LLC, Mont Belvieu (Pers Lines Prop and Cas Agency)
- KURO GROUP LLC, Mont Belvieu (General Lines Agency)
- LISA DAGLE INSURANCE SERVICES LLC, Mont Belvieu (General Lines Agency)
- MARICLE INSURANCE GROUP, LLC, Mont Belvieu (General Lines Agency)
- THE 5E COMPANY LLC, Winnie (General Lines Agency)
- TODD SWONKE AGENCY, LLC, Anahuac (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)