Home Insurance in Tiki Island, Texas
Homes in Tiki Island carry a median value of $678,900 - 116% higher 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 Tiki Island was built around 1996. About 0% of homes were built before 1960, about 12 points below Galveston County's 12%.
Housing in Tiki Island breaks down to 98% single-family homes and 2% apartments in buildings with 5+ units.
44% of owner-occupied homes in Tiki Island carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 47%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 95% of occupied homes in Tiki Island are owner-occupied.
94% of homes in Tiki Island are primarily heated with electricity.
What's the biggest home insurance risk near Tiki Island? 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.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
2 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $678,900 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 95% |
| 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 Tiki Island
- COMISKEY CAPITAL INSURANCE AGENCY,INC., Tiki Island (General Lines Agency)
- DLG INSURANCE GROUP LLC, Tiki Island (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)