Shop multiple homeowners insurance carriers in one place providing service and consultation from a licensed Fort Bend County, TX agent.

Fort Bend County, TX Homeowners Insurance Quotes

Fort Bend County homeowners insurance can protect your home from damages due to fires, lightning, theft, falling objects and even vandalism under a basic Texas homeowners policy.

Fort Bend County Coastal Home Insurance

Because Fort Bend County is in a coastal area, it's important to know that flood zones are crucial along the coast that are prone to hurricanes and tropical storms. Flood insurance programs can be offered to you through your current home insurance carrier or through the National Flood Insurance Programs available in Fort Bend County. Speaking with a licensed professional at GetHomeInsuranceQuotes.com allows you to review all coverage options and apply coverages like flood, hurricane insurance and wind hail coverage. Let us help you get the right coastal insurance coverage for your home in Fort Bend County.

Basic Coverage Protection and Rates

For a basic standard homeowners policy in Fort Bend County also referred to as an HO-3 policy, you are looking at paying around $166.67 per month. Most homeowners pay annually for home insurance which is estimated to be around $2000 per year. Fort Bend County home insurance rates drastically depend on the home insurance company you choose. We can help you compare up to 12 major carriers, which will allow us to get the most competitive rate possible saving you up to 40% or more. Our quoting process also likes to work with you to provide every available discount and credit offered to you, the homeowner. More importantly, cheaper rates sometimes means cheaper coverage and a lack of protection for your home and family. The ideal policy, is one with outstanding coverage so you are insured properly but it also has to be affordable. Most homeowners living in Texas enjoy the benefits of lower rates, but every homeowner enjoys the comfort and protection when you need to count on your insurance company the most. Let us help shop the best Fort Bend County homeowners policy for you.

For all Fort Bend County, TX residents, you can select your city below to review more information about homeowners insurance in your local area. Information includes city demographics, facts and average premium rates for homeowners on an annual and montly basis. If you are searching for insurance rates nearby then click your city below.


Are you looking for a homeowners insurance quote in Fort Bend County? Simply enter your zip code to get your Texas homeowners insurance quotes and receive up to 12 competitive quotes and coverage options in your area.

Fort Bend County, TX Housing Demographics

With 585,375 residents living within the Fort Bend County area there are over 197,030 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 153,765 families living within the local area, it is safe to say that great coverage at an affordable price is most desired amongst every homeowner living in Fort Bend County.

DemographicValues
Total Occupied Households187,384
Family Households (families)153,765
Average Owner Occupied Household Size3
Average Family Size3
Total Housing Units197,030

Fort Bend County, TX Coastal Wind, Hail & Flood Information

For all homeowners living in Fort Bend County (FIPS: 48157), it's important to understand that this county is in a coastal area and has great risk of damage due to hurricanes, windstorms, hail and flooding. The wind and hail insurance program provided through the state of Texas is the states opportunity to help provide additional wind/hail coverage when insurance companies exclude it from homeowners and other policies sold to coastal residents. You can buy wind and hail insurance coverage through us and we will shop multiple companies to package the best coverage option for you. If you are shopping for quotes in Fort Bend County, TX, it's important that you look into hurricane and windstorm insurance options.

Fort Bend County, TX Home Insurance Average Premiums

Local Fort Bend, TX homeowners insurance quotes comparison

$1,700 /yr.

Texas's Average Home Insurance Rates Overall

For the state of Texas, homeowners insurance premiums have changed based on a variety of different factors related to risk and is currently ranked 4 in the nation for highest premiums in the U.S.

Average RatingAnnual Premium
Minimum Range:$1362 /yr.
Current Average Cost:$1,700 /yr.
Maximum Range:$2000 /yr.

Fort Bend County, TX Coastal Wind, Hail & Flood Information

Fort Bend is a coastal county which greatly increases the risk of hurricanes and windstorms. Our quoting process will include wind and hail coverage options to give you the best protection you need against high winds and storm damage.

Coastal Fort Bend County Texas Information: What does a Texas Wind and Hail Policy Cover? or Coastal Texas Home Insurance Rates

Texas Homeowners Insurance News & Information

  • 2024 Average Homeowners Insurance Rate at $2,777 per year  Posted on Tuesday 20th February, 2024

    A recent report by Insurance.com, found that the average homeowners insurance rate in the U.S. came in at $2,777 per year which breaks down to $231 a month. The average was based on coverage levels of $300,000 in dwelling and liability and a $1,000 deductible. When Insurance.com ran the numbers, Oklahoma was the most expensive […]

  • 9% Predicted Jump in Home Insurance Rates in 2023  Posted on Tuesday 25th April, 2023

    According to a new report by online marketplace Insurify, average homeowner insurance premiums are headed up again in 2023. The report predicts that the average cost of homeowners insurance could jump up 9% which translates into about $150 increase for most homeowners. The pain will not be distributed equally, homeowners in some states will see […]

  • Get Cheaper Home Insurance by Using These Great Saving Tips Posted on Friday 19th August, 2022

    Homeowner insurance rates are headed up in many states this year. Colorado’s new average rate is around $3,400, Oklahoma is now $3,300, Tennesse has also moved up on the list to an average home insurance rate of $3,000 per year. Kansas and Texas are both around $2,500 for the year. While your premium may be […]

  • Top 3 Reasons Homeowners Can Expect a 3% to 30% Rate Increase Posted on Monday 18th April, 2022

    Interest rate hike due to inflation percentage rising up, FED, federal reserve or central bank monetary policy, economics or loan concept, businessman archery percentage arrow high up into the sky. There is a good chance that your homeowners insurance premium will be headed up this year. According to a recent S&P Global Market Intelligence report,  homeowners […]

  • Wind & Hail Home Insurance Coverage Guide Posted on Monday 13th September, 2021

    Home in Panama City, Florida suffers from wind and hail damage in 2018. This damaged house is from hurricane Michael. Hailstorms can do a tremendous amount of damage to your house and roof in very short amount of time and if you are not properly insured you could end up having to cover the cost […]

  • Am I underinsured for hurricane damage? Posted on Thursday 26th August, 2021

    Tropical Storm Henri hit the Northeast pretty hard over the last week and for many homeowners the pain caused by the storm could just be getting started. Unfortunately, many homeowners may be underinsured or not have the right coverage in place when it comes to tropical storm and hurricane damage. A recent study by Policygenius […]

  • FEMA’s new rating system is called “Risk Rating 2.0,” effective October 1st, 2021 Posted on Wednesday 28th April, 2021

    A recent report by ValuePenguin looked at the new risk ratings that the Federal Emergency Management Agency’s (FEMA) will be using when determining premiums for flood insurance in the National Flood Insurance Program (NFIP). The report found that millions of homeowners could see noticeable increases in flood insurance costs. FEMA’s new rating system is called […]

Discounts For Homeowners in Fort Bend County

As a homeowner, you have to understand that insurance companies see homes as a risk. If you can decrease any of the risk factors that will determine your premium, then it's best to follow these important guidelines in order to save money on your Texas homeowners insurance.

  • Install A Smoke Alarm in Every Room: It's important you do this for your own safety, so why not install a smoke detector in every room. Show your home insurance company that safety comes first. Once you have them installed, shop for home insurance and mentioned you have taken the right safety precautions to reduce house fires. For homeowners in Fort Bend County, this discount can save you up to 20% on your home insurance premium.
  • Combine Your Home and Auto Insurance Into One Package: Any home insurance provider is going to want your business. It's important you offer this opportunity to combine your home and auto insurance together in one package. You may want to also see if you can open up a life or health insurance account as well. Merging all your insurance into one company will save you money. Homeowners in Fort Bend County that do combine their home and auto can save over $500 with this discount.
  • Install A Home Security System: Your home insurance company should reward you for installing a home security system, sometimes up to 22%. It's important that you take precautions and reduce the risk of someone breaking into your Fort Bend County home. This will be one of the questions that you will want to ask your home insurance agent to see if you qualify for this discount. If you don't, make sure you shop other companies to get the "Home Security Discount"
  • Purchase A Fire Exstinguisher: Although smoke alarms provide warnings, it's best to be prepared. This may or may not provide any stand alone discount, but it shows your serious when it comes to reducing risk.
  • Stop Smoking: It's important to protect your health and your home. If you don't smoke or don't have anyone living with you that smokes then this can save you up to 18% on your home insurance premium.

Fort Bend County Housing & Real Estate Data

Details:Statistics
Total Housing Units197030
Occupied Housing Units187384
Vacant Housing Units9646
Vacant Housing Units for Rent2910
Vacant Housing Units Rented Not Occupied198
Vacant Housing Units For Sale2832
Vacant Housing Units Sold Not Occupied607
Vacant Housing Units For Seasonal Occasional Use626
Vacant Housing Units All Other Vacants2473
Housing Units Homeowner Vacancy Rate Percent2
Housing Units Rental Vacancy Rate Percent7
Housing Tenure Occupied Units187384
Housing Tenure Occupied Units Owner Occupied149749
Housing Tenure Occupied Units Owner Occupied Population472104
Housing Tenure Occupied Units Owner Occupied Averge Household Size3
Housing Tenure Occupied Units Renter Occupied37635
Housing Tenure Occupied Units Renter Occupied Population107335
Housing Tenure Occupied Units Renter Occupied Average Household Size3