Home Insurance in Fairchilds, Texas
The median home value in Fairchilds is $220,800, 41% lower than the Fort Bend County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Fairchilds was built around 1989. About 17% of homes were built before 1960, about 15 points above Fort Bend County's 2%.
The housing stock in Fairchilds is 66% single-family homes and 31% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Fairchilds, about 35% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Fairchilds has an owner-occupancy rate of 81% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Most homes in Fairchilds - 74% - 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.
What's the biggest home insurance risk near Fairchilds? FEMA's National Risk Index points to tornado (Very High) in Fort Bend County and Fort Bend County had 40,102 active NFIP flood policies as of September 2026. See the full Fort Bend 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).
Key figures
| Median home value | $220,800 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 35% |
| Top county hazard | Tornado (Very High) |
| Active NFIP policies in Fort Bend County | 40,102 |
| 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)