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Home Insurance in Angleton, TX
FEMA rates tornadoes and hurricanes as the leading natural hazards for Brazoria County. Here is the storm, flood and wind record that shapes home insurance in Angleton.
$6,184/yr
About $515/mo · ~$300k-$400k dwelling class
$3,519/yr
About $293/mo after modeled shopping discount
About 43.1% below local market estimate
Angleton hazard snapshot
Brazoria County lands in the relatively moderate category of FEMA’s National Risk Index. Its leading hazards, by rating, are tornadoes (relatively high), hurricanes (relatively high) and inland flooding (relatively high).
With tornadoes rated relatively high, check that loss-of-use coverage would carry you through a long rebuild.
With hurricane risk relatively high in Brazoria County, look closely at any named-storm or hurricane deductible, which is often a percentage of the dwelling limit.
Inland flooding is rated relatively high in Brazoria County. That covers river and heavy-rain flooding, which no standard homeowners policy pays for.
FEMA rates lightning relatively high here; ask whether electronics damaged by a surge are covered and at what limit.
Recent severe weather in Brazoria County
Brazoria County had 16 hail reports in NOAA’s storm records for 2016 through 2025. Of these, 12 reached at least one inch in diameter. The biggest stones, 1.75 inches across, fell on March 15, 2024. NOAA lists 14 tornadoes in Brazoria County between 2016 and 2025, topped by an EF2 on December 28, 2024.
Severe thunderstorm winds were reported 48 times, the strongest near 75 mph. Flash floods account for 11 more entries in the decade.
Natural hazards have put Brazoria County in 13 federal major disaster declarations since 2000. Recent ones: Hurricane Beryl (2024), Severe Winter Storms (2021) and Hurricane Harvey (2017).
Windstorm questions for Angleton homes
Angleton is inside the Texas Windstorm Insurance Association’s designated catastrophe area, because Brazoria County is one of the 14 first-tier coastal counties. If a private carrier excludes wind and hail, TWIA can fill that gap for eligible properties.
Flood insurance in Angleton
NFIP flood policies are available in Angleton, a participating community. The flood insurance rate map in effect was issued in December 2020. Only about 1 in 4 homes in Brazoria County carries an NFIP policy (27,418 residential policies). Since 2016, 6,507 NFIP flood claims have come from Brazoria County. Since homeowners forms exclude flood, plan ahead: most NFIP policies only take effect after a 30-day waiting period.
Your flood zone is a quick search away on the FEMA Flood Map Service Center.
How Angleton homes are built and valued
1979 is the median year built for housing units in Angleton. The split is roughly 52% pre-1980 construction versus 16% built from 2000 on. Census data shows a median home value of $212,900 in Angleton. That is below the Brazoria County median of $301,600. A home’s market value is a starting point only; the dwelling limit should reflect labor and materials to rebuild it at today’s prices.
Local records and contacts for Angleton
For county-level data, Angleton falls under Brazoria County. In the federal metro delineation, Brazoria County anchors the Houston-Pasadena-The Woodlands metro. Pearland is the closest larger city, roughly 27 miles away, with Angleton to its south.
Insurers often check the appraisal district record, so confirm that what the Brazoria district shows at www.brazoriacad.org matches your home. Its office is at 500 N. Chenango St. Angleton, TX 77515-4650. Watches and warnings for Angleton are issued by NWS Houston/Galveston, TX. The associated NEXRAD radar is KHGX.
Questions about weather risk in Angleton
Are tornadoes covered on a Angleton home policy?
Yes. Tornadoes fall under the windstorm peril, so the wind and hail deductible applies. Brazoria County had 14 tornadoes in NOAA’s 2016 to 2025 records, which is a good reason to check your dwelling, other-structures and debris-removal limits.
How often does it hail around Angleton?
NOAA’s Storm Events Database lists 16 hail reports in Brazoria County from 2016 through 2025, 12 of them with stones an inch or larger. FEMA’s National Risk Index rates the county’s hail risk relatively low. Roof age, roof material and the wind and hail deductible drive most of the price difference between quotes.
Do I need separate flood insurance in Angleton?
A standard homeowners policy will not pay for flood damage, so you need a stand-alone flood policy. Angleton participates in the National Flood Insurance Program, and its current flood map took effect in December 2020. Only about 1 in 4 Brazoria County homes carries NFIP coverage. Most NFIP policies begin after a 30-day wait, so do not wait for a storm forecast.
Is foundation movement covered for Angleton homes?
Usually not. FEMA rates drought risk in Brazoria County as relatively moderate, and dry spells can shift foundations on clay soil, but standard policies exclude settling and earth movement. Foundation damage caused by a covered plumbing leak is a common exception.
Get an Angleton home insurance quote
One call to 800-875-4711 or a short online form gets several carriers working on your quote.
Data sources and notes
Figures were retrieved in October 2026 and are estimates with margins of error. Price estimates near the top are Texas Insurance Resources models for comparison, not quotes or published averages.
- Comptroller CAD listing, Brazoria County
- Benchmarks: Brazoria County value, Brazoria County build year
- National Risk Index (FEMA), Brazoria County
- TWIA coverage area
- FEMA Community Status Book
- Comptroller economic regions
- NFIP data (OpenFEMA), Brazoria County
- OMB metro and micro areas
- Gazetteer (Census)
- NWS Houston/Galveston, TX
- FEMA disaster declarations, Brazoria County
- NOAA NCEI storm reports, Brazoria County
- American Community Survey 2020–2024, Angleton city: home value, year built, median year built, population, tenure, structure type