Home Insurance in Bellaire, Texas
The median home value in Bellaire is $1,037,500, 275% higher than the Harris County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Bellaire was built around 1996. About 17% of homes were built before 1960, about 5 points above Harris County's 12%.
Housing in Bellaire breaks down to 97% single-family homes and 3% apartments in buildings with 5+ units.
In Bellaire, about 53% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 88% of occupied homes in Bellaire are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
73% of homes in Bellaire are primarily heated with natural gas.
What's the biggest home insurance risk near Bellaire? 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.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
11 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $1,037,500 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 53% |
| 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 Bellaire
- AERA INSURANCE GROUP LLC, Bellaire (General Lines Agency)
- ASMCO INC, Bellaire (General Lines Agency)
- BRAND A INSURANCE SOLUTIONS LLC, Bellaire (General Lines Agency)
- CANAHUATI INSURANCE AGENCY INC, Bellaire (General Lines Agency)
- DUNN INSURANCE PARTNERS LLC, Bellaire (General Lines Agency)
- ESQUIVEL AND ASSOCIATES INC, Bellaire (General Lines Agency)
- GBS INSURANCE AGENCY INC, Bellaire (General Lines Agency)
- KEVIN CAMPBELL INSURANCE AGENCY INC, Bellaire (General Lines Agency)
- SELECT RISK SERVICES, INC., Bellaire (General Lines Agency)
- SKYLINE INSURANCE SERVICES, LLC, Bellaire (General Lines Agency)
- TEXAS PRIME INSURANCE AGENCY, LLC, Bellaire (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
Nearby towns
- Southside Place
- West University Place
- Piney Point Village
- Hunters Creek Village
- Bunker Hill Village
- Hilshire Village
- Spring Valley Village
- Houston
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)