Home Insurance in Brookshire, Texas
The median home value in Brookshire is $159,300, 50% lower than the Waller County median.
The typical home in Brookshire was built around 1988. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 9% of homes were built before 1960, about 3 points above Waller County's 6%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Brookshire is 48% single-family homes, 5% apartments in buildings with 5+ units and 20% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
43% of owner-occupied homes in Brookshire carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 51% of occupied homes in Brookshire are owner-occupied.
87% of homes in Brookshire are primarily heated with electricity.
What's the biggest home insurance risk near Brookshire? FEMA's National Risk Index points to tornado (Relatively High) in Waller County and Waller County had 2,052 active NFIP flood policies as of September 2026. See the full Waller 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).
6 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $159,300 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Waller County | 2,052 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Brookshire
- ALL ROADS INSURANCE AGENCY LLC, Brookshire (General Lines Agency)
- DEL SOL INSURANCE AGENCY LLC, Brookshire (General Lines Agency)
- JARRELL ENTERPRISES, LLC, Brookshire (General Lines Agency)
- KEY INSURANCE GROUP INC, Brookshire (General Lines Agency)
- THE JOSEPH AGENCY LLC, Brookshire (General Lines Agency)
- VARGAS AGENCY LLC, Brookshire (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)