Home Insurance in Thompsons, Texas
With a median home value of $325,000, Thompsons is 13% lower than the Fort Bend County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Thompsons was built around 1978. About 25% of homes were built before 1960, about 22 points above Fort Bend County's 2%.
In Thompsons, the housing stock is 83% single-family homes and 17% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 36% of owner-occupied homes in Thompsons have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 92% of occupied homes in Thompsons are owner-occupied. The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Thompsons, 48% of homes 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.
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.
Key figures
| Median home value | $325,000 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 36% |
| 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)