Home Insurance in Taylor Landing, Texas
Homes in Taylor Landing carry a median value of $296,800 - 75% higher than the Jefferson County median.
The typical home in Taylor Landing was built around 1989. About 0% of homes were built before 1960, about 17 points below Jefferson County's 17%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Taylor Landing is 99% single-family homes and 1% apartments in buildings with 5+ units.
About 63% of owner-occupied homes in Taylor Landing have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 99% of occupied homes in Taylor Landing are owner-occupied. The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Taylor Landing - 85% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Taylor Landing? FEMA's National Risk Index points to tornado (Relatively High) in Jefferson County and Jefferson County had 20,058 active NFIP flood policies as of September 2026. See the full Jefferson 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 | $296,800 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 99% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Jefferson County | 20,058 |
| 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)