Home Insurance in Seabrook, Texas
With a median home value of $350,000, Seabrook is 27% higher than the Harris County median.
The typical home in Seabrook was built around 1992. About 1% of homes were built before 1960, about 11 points below Harris County's 12%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Seabrook breaks down to 61% single-family homes and 29% apartments in buildings with 5+ units.
In Seabrook, about 69% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 66% of occupied homes in Seabrook are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Seabrook, 58% of homes are primarily heated with natural gas.
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.
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.
This area lists 7 licensed insurance agencies.
Key figures
| Median home value | $350,000 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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 Seabrook
- ANN WHITE INSURANCE GROUP LLC, Seabrook (General Lines Agency)
- EPIC BENEFITS LLC, Seabrook (General Lines Agency)
- GOOD LIFE INSURANCE SOLUTIONS LLC, Seabrook (General Lines Agency)
- HOCON INC, Seabrook (General Lines Agency)
- HOLLAND BROTHERS INSURANCE AGENCY, LLC, Seabrook (General Lines Agency)
- J.R. DAVIS INSURANCE AGENCY, LLC, Seabrook (General Lines Agency)
- THOMAS MCCOY, LLC, Seabrook (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)