Home Insurance in Texas City, Texas
Homes in Texas City carry a median value of $217,300 - 31% lower than the Galveston County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Texas City was built around 1984. About 14% of homes were built before 1960, about 2 points above Galveston County's 12%.
Housing in Texas City breaks down to 70% single-family homes, 25% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Texas City, about 54% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 57% of occupied homes in Texas City are owner-occupied.
60% of homes in Texas City are primarily heated with electricity.
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).
12 licensed insurance agencies serve this area.
Key figures
| Median home value | $217,300 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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 Texas City
- AMOCO INSURANCE AGENCY, LLC, Texas City (General Lines Agency)
- BRAD SPURGEON INSURANCE AGENCY INC, Texas City (General Lines Agency)
- BUNNY INSURANCE AGENCY LLC, Texas City (General Lines Agency)
- DISCOVER INSURANCE AGENCIES, Texas City (General Lines Agency)
- GRACEY INSURANCE AGENCY LLC, Texas City (General Lines Agency)
- MAINLAND INSURANCE AGENCY, LLC, Texas City (General Lines Agency)
- MARK SPURGEON INSURANCE AGENCY INC, Texas City (General Lines Agency)
- PINNACLE INTERNATIONAL INVESTMENTS LLC, Texas City (General Lines Agency)
- R.L DANTE & CO. ELEMENTAL ENDEAVOR, Texas City (General Lines Agency)
- RUST EWING WATT & HANEY INC, Texas City (General Lines Agency)
- SKIPPER INSURANCE ADVISORS, INC., Texas City (General Lines Agency)
- SONIA PEREZ INSURANCE AGENCY LLC, Texas City (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)