HomeInsuranceQts

Home Insurance in Harris County, Texas

Homes in Harris County carry a median value of $276,600 - close to the Texas median.

The typical home in Harris County was built around 1988. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 12% of homes were built before 1960, in line with Texas (12%).

Housing in Harris County breaks down to 60% single-family homes, 32% apartments in buildings with 5+ units and 3% mobile or manufactured homes.

In Harris County, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

About 55% of occupied homes in Harris County are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.

55% of homes in Harris County are primarily heated with electricity.

Per FEMA's National Risk Index, Harris County's top hazards are hurricane (Very High), tornado (Very High) and inland flooding (Very High).

Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Harris County has 223,081 active NFIP flood policies on file.

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).

This area lists 1,607 licensed insurance agencies.

Key figures

Median home value$276,600
Median year built1988
Owner-occupied share55%
Share of owner-occupied homes with a mortgage57%
Top hazards (FEMA National Risk Index)Hurricane (Very High), Tornado (Very High), Inland Flooding (Very High)
Active NFIP flood policies (county)223,081
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)

Towns and cities

Smaller communities

Licensed insurance agencies in Harris County

...and 1547 more licensed agencies.

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

Sources