Home Insurance in Kemah, Texas
The median home value in Kemah is $281,100, 11% lower than the Galveston County median.
The typical home in Kemah was built around 1997. About 5% of homes were built before 1960, about 8 points below Galveston County's 12%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Kemah, the housing stock is 66% single-family homes, 27% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 59% of owner-occupied homes in Kemah have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Kemah has an owner-occupancy rate of 54% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Most homes in Kemah - 55% - are primarily heated with electricity.
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.
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 4 licensed insurance agencies.
Key figures
| Median home value | $281,100 |
|---|---|
| Median year built | 1997 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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 Kemah
- KEMAH CAPITAL HOLDING, LLC, Kemah (General Lines Agency)
- MAJOR AWARD, INC., Kemah (General Lines Agency)
- MELVIN HERNANDEZ INSURANCE BROKERS LLC, Kemah (General Lines Agency)
- TCB INSURANCE GROUP LLC, Kemah (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)