Home Insurance in Webster, Texas
Homes in Webster carry a median value of $281,400 - close to the Harris County median.
The typical home in Webster was built around 1991. About 1% of homes were built before 1960, about 11 points below Harris County's 12%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Webster is 21% single-family homes and 72% apartments in buildings with 5+ units.
About 63% of owner-occupied homes in Webster 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 22% of occupied homes in Webster are owner-occupied.
Most homes in Webster - 80% - are primarily heated with electricity.
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.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
8 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $281,400 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 22% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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 Webster
- BFH INSURANCE, LLC, Webster (General Lines Agency)
- BRIAN HOLLAND INSURANCE SERVICES LLC, Webster (General Lines Agency)
- EVERYTHING INSURANCE AGENCY, LLC, Webster (General Lines Agency)
- HENRICH INSURANCE GROUP, LLC, Webster (General Lines Agency)
- INTEGRITYSURE, LLC, Webster (General Lines Agency)
- MAKEM LLC, Webster (General Lines Agency)
- PAIGE ENTERPRISES LLC, Webster (General Lines Agency)
- PREFERRED CHOICE INSURANCE GROUP LLC, Webster (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)