Home Insurance in Dickinson, Texas
With a median home value of $278,000, Dickinson is 12% lower than the Galveston County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Dickinson was built around 1986. About 6% of homes were built before 1960, about 7 points below Galveston County's 12%.
The housing stock in Dickinson is 75% single-family homes, 11% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
63% of owner-occupied homes in Dickinson carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Dickinson has an owner-occupancy rate of 72% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
In Dickinson, 55% of homes are primarily heated with natural gas.
Galveston County's top FEMA-rated hazard is hurricane (Relatively High), per FEMA's National Risk Index. 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.
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.
4 licensed insurance agencies serve this area.
Key figures
| Median home value | $278,000 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Galveston County | 58,876 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Dickinson
- BLUEPRINT INSURANCE GROUP, LLC., Dickinson (General Lines Agency)
- COASTAL BAY INSURANCE AGENCY, LLC, Dickinson (General Lines Agency)
- FLORES INSURANCE SERVICES, LLC, Dickinson (General Lines Agency)
- FRANK PISTONE INSURANCE AGENCY LLC, Dickinson (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
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)
- Texas Department of Insurance - licensed agencies (2026)