Home Insurance in Clear Lake Shores, Texas
Homes in Clear Lake Shores carry a median value of $463,400 - 47% higher than the Galveston County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Clear Lake Shores was built around 1989. About 6% of homes were built before 1960, about 6 points below Galveston County's 12%.
Housing in Clear Lake Shores breaks down to 82% single-family homes and 16% apartments in buildings with 5+ units.
57% of owner-occupied homes in Clear Lake Shores carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 76% of occupied homes in Clear Lake Shores are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Clear Lake Shores, 57% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Clear Lake Shores? FEMA's National Risk Index points to hurricane (Relatively High) in Galveston County and 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 | $463,400 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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)