Home Insurance in Galena Park, Texas
The median home value in Galena Park is $117,700, 57% lower than the Harris County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Galena Park was built around 1956. About 75% of homes were built before 1960, about 63 points above Harris County's 12%.
In Galena Park, the housing stock is 88% single-family homes, 5% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Galena Park, about 24% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 71% of occupied homes in Galena Park are owner-occupied.
63% of homes in Galena Park are primarily heated with electricity.
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 | $117,700 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 24% |
| 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
- Jacinto City
- South Houston
- Pasadena
- Deer Park
- Houston
- Brookside Village
- West University Place
- Southside 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)