HomeInsuranceQts

Home Insurance in Beasley, Texas

The typical home in Beasley was built around 1985. About 8% of homes were built before 1960, about 5 points above Fort Bend County's 2%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.

The housing stock in Beasley is 55% single-family homes, 11% apartments in buildings with 5+ units and 35% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.

About 29% of owner-occupied homes in Beasley have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.

The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 67% of occupied homes in Beasley are owner-occupied.

In Beasley, 50% of homes are primarily heated with natural gas.

Fort Bend County had 40,102 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Very High). See the full Fort Bend County home insurance overview for all FEMA hazard ratings and flood coverage details.

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).

Key figures

Median year built1985
Owner-occupied share67%
Share of owner-occupied homes with a mortgage29%
Top county hazardTornado (Very High)
Active NFIP policies in Fort Bend County40,102
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)
Key home insurance figures for Beasley, TX

Nearby towns

Sources

Data last updated: 2026-09-29