Home Insurance in Shoreacres, Texas
With a median home value of $287,100, Shoreacres is close to the Harris County median.
The typical home in Shoreacres was built around 1982. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 6% of homes were built before 1960, about 6 points below Harris County's 12%.
The housing stock in Shoreacres is 98% single-family homes and 2% mobile or manufactured homes.
64% of owner-occupied homes in Shoreacres carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 95% of occupied homes in Shoreacres are owner-occupied. The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
64% of homes in Shoreacres 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.
The statewide average premium for a standard HO-3 homeowners policy in Texas is $2,864 per year, according to the NAIC homeowners insurance report (2023 data).
1 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $287,100 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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 Shoreacres
- SOLUTION ONE INSURANCE, LLC, Shoreacres (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)