Home Insurance in Washington County, Texas
With a median home value of $288,100, Washington County is close to the Texas median.
The typical home in Washington County was built around 1989. About 16% of homes were built before 1960, about 4 points above Texas's 12%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Washington County, the housing stock is 75% single-family homes, 8% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 43% of owner-occupied homes in Washington County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 70% of occupied homes in Washington County are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Washington County - 66% - 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 hurricane (Relatively Moderate), tornado (Relatively Moderate) and inland flooding (Relatively Low) as the leading hazards for Washington County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Washington County has 197 active NFIP flood policies on file.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
13 licensed insurance agencies serve this area.
Key figures
| Median home value | $288,100 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Tornado (Relatively Moderate), Inland Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 197 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Washington County
- BDA INSURANCE SERVICES LLC, Chappell Hill (General Lines Agency)
- CALDWELL INSURANCE AGENCY, LLC, Brenham (General Lines Agency)
- COACHES INSURANCE AGENCY, LLC, Brenham (General Lines Agency)
- DAHMANN & ASSOCIATES, LLC, Brenham (General Lines Agency)
- GERMANIA GENERAL AGENCY INC, Brenham (General Lines Agency)
- JAMES STOLZ INSURANCE, LLC, Burton (General Lines Agency)
- MID-CONTINENTAL INSURANCE SERVICES, INC., Brenham (General Lines Agency)
- RELIABLE INSURANCE MANAGERS INC, Brenham (General Lines Agency)
- ROEHLING INSURANCE GROUP LLC, Brenham (General Lines Agency)
- ROEHLING VENTURES LLC, Brenham (General Lines Agency)
- SOMMER INSURANCE GROUP LLC, Brenham (General Lines Agency)
- VAN DYKE RANKIN & COMPANY, INC., Brenham (General Lines Agency)
- WELLMANN INSURANCE AGENCY INC, Brenham (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
Sources
- 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)