Home Insurance in Fulshear, Texas
The median home value in Fulshear is $572,700, 53% higher than the Fort Bend County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Fulshear was built around 2016. About 2% of homes were built before 1960, in line with Fort Bend County (2%).
Housing in Fulshear breaks down to 93% single-family homes and 6% apartments in buildings with 5+ units.
About 74% of owner-occupied homes in Fulshear have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 90% of occupied homes in Fulshear are owner-occupied. The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Fulshear - 78% - are primarily heated with natural gas.
Fort Bend County's top FEMA-rated hazard is tornado (Very High), per FEMA's National Risk Index. 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Texas carries a statewide average premium of $2,864 per year.
12 licensed insurance agencies serve this area.
Key figures
| Median home value | $572,700 |
|---|---|
| Median year built | 2016 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 74% |
| 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) |
Licensed insurance agencies in Fulshear
- CLM INSURANCE AGENCY, LLC, Fulshear (General Lines Agency)
- DAVID WHITTINGTON INSURANCE AGENCY INC, Fulshear (General Lines Agency)
- FULSHEAR INSURANCE GROUP, INC., Fulshear (General Lines Agency)
- HAYSLIP INSURANCE GROUP INC, Fulshear (General Lines Agency)
- KELLUM INSURANCE AGENCY, INC, Fulshear (General Lines Agency)
- KENNEDY INSURANCE AGENCY, INC., Fulshear (General Lines Agency)
- MARCELO PEREZ INSURANCE AND FINANCIAL SERVICES, INC, Fulshear (General Lines Agency)
- MICHAEL MCGUIRE INS AGY LLC, Fulshear (General Lines Agency)
- PRIMITY INSURANCE AGENCY LLC, Fulshear (General Lines Agency)
- RISK POINT MOBILITY UNDERWRITERS, LLC, Fulshear (General Lines Agency)
- VANGUARD INSURANCE AND RISK ADVISORS GROUP, PC, Fulshear (General Lines Agency)
- WEST HOUSTON INSURANCE AGENCY, LLC, Fulshear (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)