Home Insurance in Southside Place, Texas
With a median home value of $1,699,100, Southside Place is 514% higher than the Harris County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Southside Place was built around 2011. About 7% of homes were built before 1960, about 5 points below Harris County's 12%.
In Southside Place, the housing stock is 53% single-family homes and 47% apartments in buildings with 5+ units.
About 55% of owner-occupied homes in Southside Place have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 53% of occupied homes in Southside Place are owner-occupied.
Most homes in Southside Place - 55% - are primarily heated with natural gas.
What's the biggest home insurance risk near Southside Place? FEMA's National Risk Index points to hurricane (Very High) in Harris County and 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.
Key figures
| Median home value | $1,699,100 |
|---|---|
| Median year built | 2011 |
| Owner-occupied share | 53% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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
- West University Place
- Bellaire
- Hunters Creek Village
- Piney Point Village
- Houston
- Hilshire Village
- Spring Valley Village
- Bunker Hill Village
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)