HomeInsuranceQts

Home Insurance in Friendswood, Texas

Homes in Friendswood carry a median value of $420,100 - 34% higher than the Galveston County median.

Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Friendswood was built around 1991. About 1% of homes were built before 1960, about 12 points below Galveston County's 12%.

In Friendswood, the housing stock is 85% single-family homes, 11% apartments in buildings with 5+ units and 1% mobile or manufactured homes.

About 60% of owner-occupied homes in Friendswood have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.

About 77% of occupied homes in Friendswood are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.

In Friendswood, 57% of homes are primarily heated with natural gas.

Galveston County had 58,876 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively High). See the full Galveston County home insurance overview for all FEMA hazard ratings and flood coverage details.

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).

39 licensed insurance agencies are listed for this area.

Key figures

Median home value$420,100
Median year built1991
Owner-occupied share77%
Share of owner-occupied homes with a mortgage60%
Top county hazardHurricane (Relatively High)
Active NFIP policies in Galveston County58,876
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)
Key home insurance figures for Friendswood, TX

Licensed insurance agencies in Friendswood

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

Nearby towns

Sources

Data last updated: 2026-09-29