Home Insurance in Mont Belvieu, Texas
With a median home value of $411,000, Mont Belvieu is 25% higher than the Chambers County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Mont Belvieu was built around 2014. About 3% of homes were built before 1960, about 5 points below Chambers County's 7%.
In Mont Belvieu, the housing stock is 74% single-family homes and 25% apartments in buildings with 5+ units.
About 64% of owner-occupied homes in Mont Belvieu have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Mont Belvieu has an owner-occupancy rate of 75% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
In Mont Belvieu, 51% of homes are primarily heated with electricity.
FEMA rates Chambers County's overall risk as Relatively Low, led by hurricane (Relatively Moderate). Chambers County had 3,573 active NFIP flood policies as of September 2026. See the full Chambers 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).
5 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $411,000 |
|---|---|
| Median year built | 2014 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Chambers County | 3,573 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Mont Belvieu
- 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)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
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)
- Texas Department of Insurance - licensed agencies (2026)