Home Insurance in Stafford, Texas
The median home value in Stafford is $257,700, 31% lower than the Fort Bend County median.
The typical home in Stafford was built around 1993. About 1% of homes were built before 1960, in line with Fort Bend County (2%). Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Stafford, the housing stock is 46% single-family homes, 46% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 41% of owner-occupied homes in Stafford have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 39% of occupied homes in Stafford are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Stafford - 63% - are primarily heated with electricity.
What's the biggest home insurance risk near Stafford? 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.
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).
This area lists 20 licensed insurance agencies.
Key figures
| Median home value | $257,700 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 39% |
| Share of owner-occupied homes with a mortgage | 41% |
| 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 Stafford
- ABE JACOBS INSURANCE AGENCY, INC., Stafford (General Lines Agency)
- AHSAN.JUNAID.SHAH LLC, Stafford (General Lines Agency)
- AKHANS ENTERPRISE, LLC, Stafford (General Lines Agency)
- DILSHAN, LLC, Stafford (General Lines Agency)
- FAST QUOTE INSURANCE AGENCY INC, Stafford (General Lines Agency)
- FASTQUOTETX.COM AGENCY, LLC, Stafford (General Lines Agency)
- GOLDEN EPG GROUP LLC, Stafford (General Lines Agency)
- JMS INSURANCE AGENCY, LLC, Stafford (General Lines Agency)
- K&K INSURANCE SERVICES LLC, Stafford (General Lines Agency)
- LARAAS CORPORATION, INCORPORATED, Stafford (General Lines Agency)
- MERCHANT INSURANCE GROUP, LLC, Stafford (General Lines Agency)
- MICHAEL D MCKAY P.C., Stafford (General Lines Agency)
- MY NEIGHBORHOOD HEROES, INC., Stafford (General Lines Agency)
- PROSAFE AGENCY LLC, Stafford (General Lines Agency)
- PROTECT INSURANCE AGENCY LLC, Stafford (General Lines Agency)
- PSM INSURANCE GROUP LLC, Stafford (General Lines Agency)
- SAFENET INSURANCE AGENCY, LLC, Stafford (General Lines Agency)
- TEXAS INSURANCE CHOICE LLC, Stafford (General Lines Agency)
- UNITED TAXES AND INSURANCE SERVICES LLC, Stafford (General Lines Agency)
- VEC INSURANCE AGENCY LLC, Stafford (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
Nearby towns
- Meadows Place
- Sugar Land
- Missouri City
- Bellaire
- Piney Point Village
- Southside Place
- Bunker Hill Village
- West University Place
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)