Home Insurance in Deer Park, Texas
The median home value in Deer Park is $264,600, close to the Harris County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Deer Park was built around 1982. About 10% of homes were built before 1960, about 2 points below Harris County's 12%.
The housing stock in Deer Park is 80% single-family homes, 12% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
58% of owner-occupied homes in Deer Park carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 78% of occupied homes in Deer Park are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
69% of homes in Deer Park are primarily heated with natural gas.
FEMA rates Harris County's overall risk as Very High, led by hurricane (Very High). 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.
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).
6 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $264,600 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 58% |
| 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 Deer Park
- HIJAZI FINANCIAL SERVICES LLC, Deer Park (General Lines Agency)
- KICKER INSURANCE SERVICES INC, Deer Park (General Lines Agency)
- LONESTAR-INTEGRA INSURANCE SERVICES, LLC, Deer Park (General Lines Agency)
- ONPOINT INSURANCE SOLUTIONS OF TEXAS, LLC, Deer Park (General Lines Agency)
- TEXAS LOW COST INSURANCE AGENCY INC, Deer Park (General Lines Agency)
- TURRENTINE INS AGENCY, LLC, Deer Park (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)