Home Insurance in Pattison, Texas
The median home value in Pattison is $504,400, 58% higher than the Waller County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Pattison was built around 2000. About 13% of homes were built before 1960, about 7 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 Pattison is 80% single-family homes and 20% mobile or manufactured homes.
About 53% of owner-occupied homes in Pattison have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Pattison has an owner-occupancy rate of 89% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in Pattison - 55% - are primarily heated with electricity. Homes heated with propane and wood 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 Pattison? 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.
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 | $504,400 |
|---|---|
| Median year built | 2000 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Waller County | 2,052 |
| 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)