Home Insurance in Needville, Texas
The median home value in Needville is $221,700, 41% lower than the Fort Bend County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Needville was built around 1976. About 35% of homes were built before 1960, about 33 points above Fort Bend County's 2%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Needville is 87% single-family homes, 5% apartments in buildings with 5+ units and 9% mobile or manufactured homes.
53% of owner-occupied homes in Needville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 54% of occupied homes in Needville are owner-occupied.
In Needville, 50% of homes are primarily heated with electricity.
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.
This area lists 4 licensed insurance agencies.
Key figures
| Median home value | $221,700 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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 Needville
- NEEDVILLE INSURANCE AGENCY, INC., Needville (General Lines Agency)
- RIVER STONE INSURANCE SERVICES, LLC, Needville (General Lines Agency)
- SBRUSCH INSURANCE AGENCY LLC, Needville (General Lines Agency)
- SUPERIOR CHOICE INSURANCE AGENCY, LLC, Needville (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)