Home Insurance in La Porte, Texas
With a median home value of $234,600, La Porte is 15% lower than the Harris County median.
The typical home in La Porte was built around 1983. About 10% of homes were built before 1960, about 2 points below Harris County's 12%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In La Porte, the housing stock is 77% single-family homes, 14% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In La Porte, about 51% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
La Porte has an owner-occupancy rate of 71% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
50% of homes in La Porte are primarily heated with natural gas.
Harris County's top FEMA-rated hazard is hurricane (Very High), per FEMA's National Risk Index. 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.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
9 licensed insurance agencies serve this area.
Key figures
| Median home value | $234,600 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Hurricane (Very High) |
| Active NFIP policies in Harris County | 223,081 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in La Porte
- ENTRUST PROFESSIONAL INSURANCE, LLC, La Porte (General Lines Agency)
- FRANK NANCE INSURANCE AGENCY INC, La Porte (General Lines Agency)
- KP LITTLE ASSOCIATES, LLC, La Porte (General Lines Agency)
- MAR VEL INVESTMENTS INC, La Porte (General Lines Agency)
- MARKEN RISK SOLUTIONS LLC, La Porte (General Lines Agency)
- MIKE COOKSLEY INSURANCE AGENCY LLC, La Porte (General Lines Agency)
- PLG INSURANCE AGENCY LLC, La Porte (General Lines Agency)
- THE WATER GIRL, LLC, La Porte (Pers Lines Prop and Cas Agency)
- THE WATER GIRL, LLC, La Porte (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
Nearby towns
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)
- Texas Department of Insurance - licensed agencies (2026)