Home Insurance in Hitchcock, Texas
Homes in Hitchcock carry a median value of $188,300 - 40% lower than the Galveston County median.
The typical home in Hitchcock was built around 1986. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 17% of homes were built before 1960, about 4 points above Galveston County's 12%.
In Hitchcock, the housing stock is 76% single-family homes, 9% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 51% of owner-occupied homes in Hitchcock have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 68% of occupied homes in Hitchcock are owner-occupied.
51% of homes in Hitchcock are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Hitchcock? 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.
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.
This area lists 1 licensed insurance agencies.
Key figures
| Median home value | $188,300 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 51% |
| 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 Hitchcock
- TAP TO INSURE, LLC, Hitchcock (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)