Home Insurance in Brenham, Texas
The median home value in Brenham is $241,100, 16% lower than the Washington County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Brenham was built around 1983. About 23% of homes were built before 1960, about 7 points above Washington County's 16%.
The housing stock in Brenham is 64% single-family homes, 17% apartments in buildings with 5+ units and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 57% of owner-occupied homes in Brenham have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 51% of occupied homes in Brenham are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Brenham - 63% - are primarily heated with electricity.
Washington County had 197 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Moderate). See the full Washington County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Texas is $2,864 per year, according to the NAIC homeowners insurance report (2023 data).
11 licensed insurance agencies serve this area.
Key figures
| Median home value | $241,100 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Washington County | 197 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Brenham
- 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)
- 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
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)