HomeInsuranceQts

Home Insurance in Missouri City, Texas

The median home value in Missouri City is $311,400, 17% lower than the Fort Bend County median.

The typical home in Missouri City was built around 1993. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 1% of homes were built before 1960, about 1 point below Fort Bend County's 2%.

In Missouri City, the housing stock is 91% single-family homes, 6% apartments in buildings with 5+ units and 1% mobile or manufactured homes.

About 64% of owner-occupied homes in Missouri City have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.

About 82% of occupied homes in Missouri City are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.

59% of homes in Missouri City 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.

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.

This area lists 35 licensed insurance agencies.

Key figures

Median home value$311,400
Median year built1993
Owner-occupied share82%
Share of owner-occupied homes with a mortgage64%
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 Missouri City, TX

Licensed insurance agencies in Missouri City

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

Nearby towns

Sources

Data last updated: 2026-09-29