HomeInsuranceQts

Home Insurance in Fort Bend County, Texas

The median home value in Fort Bend County is $374,500, 32% higher than the Texas median.

Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Fort Bend County was built around 2005. About 2% of homes were built before 1960, about 10 points below Texas's 12%.

In Fort Bend County, the housing stock is 85% single-family homes, 11% apartments in buildings with 5+ units and 3% mobile or manufactured homes.

In Fort Bend County, about 64% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

About 77% of occupied homes in Fort Bend County are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.

58% of homes in Fort Bend County are primarily heated with natural gas.

FEMA's National Risk Index lists tornado (Very High), inland flooding (Relatively High) and hurricane (Relatively High) as the leading hazards for Fort Bend County.

Fort Bend County had 40,102 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.

In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).

This area lists 319 licensed insurance agencies.

Key figures

Median home value$374,500
Median year built2005
Owner-occupied share77%
Share of owner-occupied homes with a mortgage64%
Top hazards (FEMA National Risk Index)Tornado (Very High), Inland Flooding (Relatively High), Hurricane (Relatively High)
Active NFIP flood policies (county)40,102
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)

Towns and cities

Licensed insurance agencies in Fort Bend County

...and 259 more licensed agencies.

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

Sources