HomeInsuranceQts

Home Insurance in Pasadena, Texas

Homes in Pasadena carry a median value of $209,600 - 24% lower than the Harris County median.

Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Pasadena was built around 1977. About 23% of homes were built before 1960, about 12 points above Harris County's 12%.

In Pasadena, the housing stock is 60% single-family homes, 31% 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.

About 47% of owner-occupied homes in Pasadena have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.

The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 54% of occupied homes in Pasadena are owner-occupied.

In Pasadena, 50% of homes 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.

In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).

27 licensed insurance agencies are listed for this area.

Key figures

Median home value$209,600
Median year built1977
Owner-occupied share54%
Share of owner-occupied homes with a mortgage47%
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 Pasadena, TX

Licensed insurance agencies in Pasadena

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

Nearby towns

Sources

Data last updated: 2026-09-29