Home Insurance in Bunker Hill Village, Texas
Bunker Hill Village's median home value is $2,000,000+.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Bunker Hill Village was built around 1991. About 14% of homes were built before 1960, about 2 points above Harris County's 12%.
Housing in Bunker Hill Village breaks down to 100% single-family homes.
48% of owner-occupied homes in Bunker Hill Village carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Bunker Hill Village has an owner-occupancy rate of 97% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
86% of homes in Bunker Hill Village are primarily heated with natural gas.
Harris County had 223,081 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Very High). See the full Harris 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).
Key figures
| Median home value | $2,000,000+ |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top county hazard | Hurricane (Very High) |
| Active NFIP policies in Harris County | 223,081 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Nearby towns
- Piney Point Village
- Hunters Creek Village
- Spring Valley Village
- Hilshire Village
- Bellaire
- West University Place
- Southside Place
- Meadows Place
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)