Home Insurance in Hunters Creek Village, Texas
Hunters Creek Village's median home value is $2,000,000+.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Hunters Creek Village was built around 1980. About 20% of homes were built before 1960, about 9 points above Harris County's 12%.
In Hunters Creek Village, the housing stock is 100% single-family homes.
About 54% of owner-occupied homes in Hunters Creek Village have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. All occupied homes in Hunters Creek Village are owner-occupied.
74% of homes in Hunters Creek Village are primarily heated with natural gas.
What's the biggest home insurance risk near Hunters Creek Village? FEMA's National Risk Index points to hurricane (Very High) in Harris County and 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).
Key figures
| Median home value | $2,000,000+ |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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
- Hilshire Village
- Piney Point Village
- Bunker Hill Village
- Bellaire
- West University Place
- Southside Place
- Houston
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)