Home Insurance in Hilshire Village, Texas
The median home value in Hilshire Village is $1,086,700, 293% higher than the Harris County median.
The typical home in Hilshire Village was built around 1983. About 24% of homes were built before 1960, about 13 points above Harris County's 12%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Hilshire Village, the housing stock is 100% single-family homes.
62% of owner-occupied homes in Hilshire Village carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 96% of occupied homes in Hilshire Village are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Hilshire Village, 83% of homes 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 | $1,086,700 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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
- Spring Valley Village
- Hunters Creek Village
- Piney Point Village
- Bunker Hill Village
- Houston
- Bellaire
- 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)