HomeInsuranceQts

Home Insurance in Waller County, Texas

The median home value in Waller County is $318,700, 12% higher than the Texas median.

The typical home in Waller County was built around 1998. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 6% of homes were built before 1960, about 7 points below Texas's 12%.

Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Waller County is 64% single-family homes, 6% apartments in buildings with 5+ units and 19% mobile or manufactured homes.

About 50% of owner-occupied homes in Waller County 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 72% of occupied homes in Waller County are owner-occupied.

68% of homes in Waller County 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.

FEMA's National Risk Index lists tornado (Relatively High), hurricane (Relatively Moderate) and strong wind (Relatively Moderate) as the leading hazards for Waller County.

Waller County had 2,052 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.

In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).

This area lists 198 licensed insurance agencies.

Key figures

Median home value$318,700
Median year built1998
Owner-occupied share72%
Share of owner-occupied homes with a mortgage50%
Top hazards (FEMA National Risk Index)Tornado (Relatively High), Hurricane (Relatively Moderate), Strong Wind (Relatively Moderate)
Active NFIP flood policies (county)2,052
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)

Towns and cities

Licensed insurance agencies in Waller County

...and 138 more licensed agencies.

Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt

Sources