Home Insurance in Bayou Vista, Texas
Homes in Bayou Vista carry a median value of $375,600 - 19% higher than the Galveston County median.
The typical home in Bayou Vista was built around 1979. About 3% of homes were built before 1960, about 9 points below Galveston County's 12%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Bayou Vista breaks down to 98% single-family homes.
About 67% of owner-occupied homes in Bayou Vista have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 89% of occupied homes in Bayou Vista are owner-occupied.
66% of homes in Bayou Vista are primarily heated with natural gas.
FEMA rates Galveston County's overall risk as Relatively High, led by hurricane (Relatively High). Galveston County had 58,876 active NFIP flood policies as of September 2026. See the full Galveston County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
Key figures
| Median home value | $375,600 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Galveston County | 58,876 |
| 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)