Home Insurance in Pleak, Texas
The median home value in Pleak is $318,400, 15% 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 Pleak was built around 1986. About 10% of homes were built before 1960, about 7 points above Fort Bend County's 2%.
The housing stock in Pleak is 71% single-family homes, 2% apartments in buildings with 5+ units and 25% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
38% of owner-occupied homes in Pleak carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 65% of occupied homes in Pleak are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Pleak - 66% - 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.
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.
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 home value | $318,400 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 38% |
| 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)