HomeInsuranceQts

Home Insurance in Houston, Texas

Homes in Houston carry a median value of $277,800 - close to the Harris County median.

The typical home in Houston was built around 1982. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 17% of homes were built before 1960, about 5 points above Harris County's 12%.

Housing in Houston breaks down to 48% single-family homes, 44% apartments in buildings with 5+ units and 1% mobile or manufactured homes.

52% of owner-occupied homes in Houston carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

Houston has an owner-occupancy rate of 42% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.

64% of homes in Houston 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.

According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Texas carries a statewide average premium of $2,864 per year.

1,236 licensed insurance agencies serve this area.

Key figures

Median home value$277,800
Median year built1982
Owner-occupied share42%
Share of owner-occupied homes with a mortgage52%
Top county hazardHurricane (Very High)
Active NFIP policies in Harris County223,081
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)
Key home insurance figures for Houston, TX

Licensed insurance agencies in Houston

...and 1176 more licensed agencies.

Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt

Nearby towns

Sources

Data last updated: 2026-09-29