Home Insurance in Taylor Lake Village, Texas
The median home value in Taylor Lake Village is $388,900, 41% higher than the Harris County median.
The typical home in Taylor Lake Village was built around 1976. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 0% of homes were built before 1960, about 12 points below Harris County's 12%.
The housing stock in Taylor Lake Village is 100% single-family homes.
57% of owner-occupied homes in Taylor Lake Village carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 97% of occupied homes in Taylor Lake Village are owner-occupied.
In Taylor Lake Village, 86% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Taylor Lake 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.
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 | $388,900 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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
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)