Home Insurance in Galveston, Texas
With a median home value of $326,000, Galveston is close to the Galveston County median.
The typical home in Galveston was built around 1973. About 32% of homes were built before 1960, about 20 points above Galveston County's 12%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Galveston, the housing stock is 58% single-family homes and 31% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 44% of owner-occupied homes in Galveston have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 30%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 46% of occupied homes in Galveston are owner-occupied.
In Galveston, 63% of homes are primarily heated with electricity.
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.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
15 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $326,000 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 46% |
| Share of owner-occupied homes with a mortgage | 44% |
| 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 Galveston
- ADAM BRYANT INC, Galveston (General Lines Agency)
- AMERICAN PROUD INSURANCE AGENCY OF GALVESTON, LLC, Galveston (General Lines Agency)
- B C PRICE INSURANCE AGENCY INC, Galveston (General Lines Agency)
- BURNEY WOOD AGENCY, LLC, Galveston (General Lines Agency)
- GIA INSURANCE AGENCY, LLC, Galveston (General Lines Agency)
- HEFFERNAN INSURANCE AGENCY INC, Galveston (General Lines Agency)
- HENRY FREUDENBURG INSURANCE AGCY INC, Galveston (General Lines Agency)
- IJ LLC, Galveston (General Lines Agency)
- INSURANCE JUNCTION INC, Galveston (General Lines Agency)
- JAHN-GALVESTON INSURANCE AGENCY INC, Galveston (General Lines Agency)
- NEUBAUER INSURANCE AGENCY LLC, Galveston (General Lines Agency)
- SECURE BROKER PARTNERS TX LLC, Galveston (General Lines Agency)
- SMI AGENCY LLC, Galveston (General Lines Agency)
- SSTX INSURANCE SERVICES, LLC, Galveston (General Lines Agency)
- THE O'DONOHOE AGENCY, L.L.C., Galveston (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)