Home Insurance in Waller, Texas
With a median home value of $156,900, Waller is 51% lower than the Waller County median.
The typical home in Waller was built around 1988. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 10% of homes were built before 1960, about 4 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 Waller is 38% single-family homes, 13% apartments in buildings with 5+ units and 21% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Waller, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 34% of occupied homes in Waller are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
87% of homes in Waller are primarily heated with electricity.
Waller County's top FEMA-rated hazard is tornado (Relatively High), per FEMA's National Risk Index. 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).
8 licensed insurance agencies serve this area.
Key figures
| Median home value | $156,900 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 34% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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 Waller
- EDMONDS INSURANCE AGENCY GP, Waller (General Lines Agency)
- EDMONDS INSURANCE AGENCY INC, Waller (General Lines Agency)
- ISB INSURANCE SERVICES, INC., Waller (General Lines Agency)
- KERR COUNTY INSURANCE AGENCY LLC, Waller (General Lines Agency)
- MONTGOMERY COUNTY INSURANCE SERVICES, L.L.C., Waller (General Lines Agency)
- PELTZMAN SERVICES INC, Waller (General Lines Agency)
- VILLANUEVA INSURANCE AGENCY LLC, Waller (General Lines Agency)
- WALLER COUNTY INSURANCE CENTER, INC., Waller (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)