Home Insurance in Baytown, Texas
The median home value in Baytown is $197,300, 29% lower than the Harris County median.
The typical home in Baytown was built around 1981. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 21% of homes were built before 1960, about 9 points above Harris County's 12%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Baytown is 61% single-family homes, 28% apartments in buildings with 5+ units and 6% mobile or manufactured homes.
About 50% of owner-occupied homes in Baytown have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 52% of occupied homes in Baytown are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
60% of homes in Baytown are primarily heated with electricity.
What's the biggest home insurance risk near Baytown? FEMA's National Risk Index points to hurricane (Very High) in Harris County and Harris County had 223,081 active NFIP flood policies as of September 2026. See the full Harris 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.
23 licensed insurance agencies serve this area.
Key figures
| Median home value | $197,300 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Hurricane (Very High) |
| Active NFIP policies in Harris County | 223,081 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Baytown
- AKT INSURANCE ENTERPRISES, LLC, Baytown (General Lines Agency)
- AMI INSURANCE AGENCY LLC, Baytown (General Lines Agency)
- CATHER INSURANCE AGENCY, LLC, Baytown (General Lines Agency)
- ENH INSURANCE AGENCY LLC, Baytown (General Lines Agency)
- GSA BUSINESS SERVICES LLC, Baytown (General Lines Agency)
- HARRIS COUNTY INSURANCE CENTER, L.L.C., Baytown (General Lines Agency)
- HASWANI INSURANCE LLC, Baytown (General Lines Agency)
- HERNANDEZ MULTI-SERVICE AGENCY, LLC, Baytown (General Lines Agency)
- JI FINANCIAL SERVICES, LLC, Baytown (General Lines Agency)
- LEMUS TAX SOLUTIONS LLC, Baytown (General Lines Agency)
- MERLING INSURANCE AGENCY, LLC, Baytown (General Lines Agency)
- NEXT MOVE PROPERTIES LLC, Baytown (General Lines Agency)
- NOW INSURANCE AGENCY LLC, Baytown (General Lines Agency)
- NOW INSURANCE COMPANY LLC, Baytown (General Lines Agency)
- PEOPLE'S CHOICE GROUP PLLC, Baytown (General Lines Agency)
- POWER INSURANCE GROUP LLC, Baytown (General Lines Agency)
- R & G ENTERPRISES FAMILY LLC, Baytown (General Lines Agency)
- ROBERTSON INSURANCE PARTNERS LLC, Baytown (General Lines Agency)
- ROSENBAUM INSURANCE AGENCY LLC, Baytown (Pers Lines Prop and Cas Agency)
- TEXAS INSURANCE LADY LLC, Baytown (General Lines Agency)
- TREVCO ENTERPRISES INC, Baytown (General Lines Agency)
- YBARRA INVESTMENT GROUP L.L.C., Baytown (General Lines Agency)
- ZMART GLOBAL SERVICES & INSURANCE, LLC, Baytown (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)