Home Insurance in Morgan's Point, Texas
With a median home value of $425,000, Morgan's Point is 54% higher than the Harris County median.
The typical home in Morgan's Point was built around 1982. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 36% of homes were built before 1960, about 24 points above Harris County's 12%.
In Morgan's Point, the housing stock is 86% single-family homes. The rest are 2-4 unit or other housing types.
In Morgan's Point, about 51% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Morgan's Point has an owner-occupancy rate of 76% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
Most homes in Morgan's Point - 73% - 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.
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.
Key figures
| Median home value | $425,000 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 76% |
| 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) |
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)