HomeInsuranceQts

Home Insurance in League City, Texas

Homes in League City carry a median value of $360,000 - 14% 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 League City was built around 2003. About 2% of homes were built before 1960, about 10 points below Galveston County's 12%.

In League City, the housing stock is 79% single-family homes, 18% apartments in buildings with 5+ units and 1% mobile or manufactured homes.

68% of owner-occupied homes in League City carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

League City has an owner-occupancy rate of 75% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.

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

FEMA rates Galveston County's overall risk as Relatively High, led by hurricane (Relatively High). 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.

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).

31 licensed insurance agencies serve this area.

Key figures

Median home value$360,000
Median year built2003
Owner-occupied share75%
Share of owner-occupied homes with a mortgage68%
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 League City, TX

Licensed insurance agencies in League City

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

Nearby towns

Sources

Data last updated: 2026-09-29