Home Insurance in Piney Point Village, Texas
The median home value in Piney Point Village is $2,000,000+.
The typical home in Piney Point Village was built around 1986. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 13% of homes were built before 1960, about 1 point above Harris County's 12%.
In Piney Point Village, the housing stock is 100% single-family homes.
In Piney Point Village, about 46% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 99% of occupied homes in Piney Point Village are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Piney Point Village, 74% of homes are primarily heated with natural gas.
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 | $2,000,000+ |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 99% |
| Share of owner-occupied homes with a mortgage | 46% |
| 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
- Bunker Hill Village
- Hunters Creek Village
- Spring Valley Village
- Hilshire 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)