Home Insurance in Simonton, Texas
With a median home value of $390,500, Simonton is close to 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 Simonton was built around 1979. About 3% of homes were built before 1960, about 1 point above Fort Bend County's 2%.
In Simonton, the housing stock is 97% single-family homes and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Simonton, about 76% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 97% of occupied homes in Simonton are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Simonton - 67% - 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 Simonton? 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.
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.
1 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $390,500 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 76% |
| 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 Simonton
- SHIPP INSURANCE AGENCY, INC., Simonton (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)