Home Insurance in Nassau Bay, Texas
Homes in Nassau Bay carry a median value of $374,600 - 35% higher than the Harris County median.
The typical home in Nassau Bay was built around 1970. About 1% of homes were built before 1960, about 10 points below Harris County's 12%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Nassau Bay, the housing stock is 45% single-family homes and 54% apartments in buildings with 5+ units.
44% of owner-occupied homes in Nassau Bay carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Nassau Bay has an owner-occupancy rate of 49% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
56% of homes in Nassau Bay 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.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
Key figures
| Median home value | $374,600 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 49% |
| Share of owner-occupied homes with a mortgage | 44% |
| 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)