Home Insurance in West University Place, Texas
With a median home value of $1,472,000, West University Place is 432% higher than the Harris County median.
The typical home in West University Place was built around 1992. About 24% of homes were built before 1960, about 12 points above Harris County's 12%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In West University Place, the housing stock is 99% single-family homes and 1% apartments in buildings with 5+ units.
About 55% of owner-occupied homes in West University Place have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
West University Place has an owner-occupancy rate of 93% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Most homes in West University Place - 69% - are primarily heated with natural gas.
Harris County had 223,081 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Very High). 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 | $1,472,000 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 93% |
| 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
- Southside Place
- Bellaire
- Houston
- Hunters Creek Village
- Piney Point Village
- 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)