Hurricane, flood, and hail risk make Houston one of the most complex homeowners insurance markets nationally.
Flood damage is NOT covered by standard HO-3 policies. NFIP flood insurance available at floodsmart.gov. Check your FEMA flood zone at msc.fema.gov.
Earthquake damage is NOT covered by standard HO-3 policies. Separate earthquake insurance available — in California through CEA (earthquakeauthority.com) or private carriers.
According to the NAIC Homeowners Insurance Report (2021 data), the statewide average annual homeowners insurance premium in Texas was approximately $3,429/year. This is a state-level average — not a city-specific figure. Source: NAIC Homeowners Insurance Report (naic.org).
Texas Department of Insurance — licenses carriers and agents in Texas, reviews rate filings, and handles consumer complaints.
Texas Department of Insurance — official site
Verify carrier licenses and complaint data nationally at naic.org/cis (NAIC Consumer Information Source).
We've ranked homeowners insurance carriers for 2026 against ClearValue's published methodology.
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