HomeInsuranceQts

Home Insurance in Galveston County, Texas

With a median home value of $314,600, Galveston County is 11% higher than the Texas median.

The typical home in Galveston County was built around 1990. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 12% of homes were built before 1960, in line with Texas (12%).

In Galveston County, the housing stock is 73% single-family homes, 18% 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.

In Galveston County, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 68% of occupied homes in Galveston County are owner-occupied.

52% of homes in Galveston County are primarily heated with electricity.

Per FEMA's National Risk Index, Galveston County's top hazards are hurricane (Relatively High), tornado (Relatively High) and inland flooding (Relatively High).

Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Galveston County has 58,876 active NFIP flood policies on file.

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).

112 licensed insurance agencies are listed for this area.

Key figures

Median home value$314,600
Median year built1990
Owner-occupied share68%
Share of owner-occupied homes with a mortgage57%
Top hazards (FEMA National Risk Index)Hurricane (Relatively High), Tornado (Relatively High), Inland Flooding (Relatively High)
Active NFIP flood policies (county)58,876
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)

Towns and cities

Licensed insurance agencies in Galveston County

...and 52 more licensed agencies.

Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt

Sources