HomeInsuranceQts

Home Insurance in Humble, Texas

The median home value in Humble is $216,400, 22% lower than the Harris County median.

The typical home in Humble was built around 1982. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 14% of homes were built before 1960, about 2 points above Harris County's 12%.

In Humble, the housing stock is 46% single-family homes, 34% apartments in buildings with 5+ units and 10% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.

41% of owner-occupied homes in Humble carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

About 39% of occupied homes in Humble are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.

Most homes in Humble - 65% - are primarily heated with electricity.

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).

45 licensed insurance agencies are listed for this area.

Key figures

Median home value$216,400
Median year built1982
Owner-occupied share39%
Share of owner-occupied homes with a mortgage41%
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 Humble, TX

Licensed insurance agencies in Humble

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

Nearby towns

Sources

Data last updated: 2026-09-29