Home Insurance in Spring Valley Village, Texas
With a median home value of $1,156,700, Spring Valley Village is 318% higher than the Harris County median.
The typical home in Spring Valley Village was built around 1985. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 25% of homes were built before 1960, about 13 points above Harris County's 12%.
In Spring Valley Village, the housing stock is 100% single-family homes.
In Spring Valley Village, about 65% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 97% of occupied homes in Spring Valley Village are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Spring Valley Village - 73% - are primarily heated with natural gas.
What's the biggest home insurance risk near Spring Valley Village? 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.
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 | $1,156,700 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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
- Hilshire Village
- Hunters Creek Village
- Piney Point Village
- Bunker Hill Village
- Bellaire
- West University Place
- Houston
- Southside Place
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)