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Home Insurance in Brenham, TX
FEMA rates tornadoes and hurricanes as the leading natural hazards for Washington County. Here is the storm, flood and wind record that shapes home insurance in Brenham.
$6,400/yr
About $533/mo · ~$300k-$400k dwelling class
$3,878/yr
About $323/mo after modeled shopping discount
About 39.4% below local market estimate
Brenham hazard snapshot
Taking all natural hazards together, FEMA rates Washington County relatively low. The highest-rated individual hazards are tornadoes (relatively moderate), hurricanes (relatively moderate) and strong wind (relatively moderate).
With tornadoes rated relatively moderate, check that loss-of-use coverage would carry you through a long rebuild.
FEMA rates hurricane exposure relatively moderate here, so coastal-style questions apply: who covers wind, and is flood insured separately?
With strong wind rated relatively moderate, the wind/hail deductible and fence coverage under other structures deserve a look.
Lightning is rated relatively moderate in Washington County. Fire from a strike is a covered peril; ask how your policy treats power-surge damage to appliances and electronics.
Ten years of storm reports in Washington County
From 2016 to 2025, 5 hail events were recorded in Washington County in NOAA’s Storm Events Database. In 4 cases the hail was an inch across or bigger. On May 5, 2025, observers reported hail as large as 1.5 inches. Between 2016 and 2025, 1 tornado touched down in Washington County.
There were also 16 damaging-wind reports from thunderstorms, topping out around 75 mph. Flash floods account for 9 more entries in the decade.
FEMA has issued 10 natural-hazard major disaster declarations covering Washington County since 2000. The latest declarations were Hurricane Beryl (2024), Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024) and Severe Winter Storms (2021).
Who covers wind in Brenham?
Washington County is outside TWIA’s designated catastrophe area, so wind and hail are normally covered by the homeowners policy itself, often with a separate percentage deductible.
Flood exposure and the NFIP in Brenham
Brenham participates in the National Flood Insurance Program, so NFIP policies are available to residents. The flood insurance rate map in effect was issued in May 2019. In Washington County, roughly 1 home in 72 has federal flood coverage (180 residential policies in force). Since 2016, 43 NFIP flood claims have come from Washington County. Flood needs its own policy, and buying one right before a storm will not help because of the usual 30-day wait.
Look up your address on the FEMA Flood Map Service Center to see your flood zone.
How Brenham homes are built and valued
1983 is the median year built for housing units in Brenham. Roughly 47% of the housing stock predates 1980 and 33% is from 2000 onward. Owners in Brenham put the median value of their homes at $241,100. Across Washington County the median is $288,100. Land value is part of a sale price but not of a rebuild, so the right Coverage A figure can be well above or below market value.
Local offices for Brenham homeowners
The county for Brenham is Washington County. Washington County makes up part of the Brenham micropolitan area. The nearest bigger city is College Station, about 30 miles from Brenham as the crow flies.
Insurers often check the appraisal district record, so confirm that what the Washington district shows at www.washingtoncad.org matches your home. You can also visit the office at 1301 Niebuhr St. Brenham, TX 77833-5031. Watches and warnings for Brenham are issued by NWS Houston/Galveston, TX. The radar the weather service assigns to this point is KGRK.
Questions about weather risk in Brenham
Does homeowners insurance cover tornado damage in Brenham?
Yes, tornado damage is covered as windstorm, subject to your wind and hail deductible. NOAA records show 1 tornado in Washington County from 2016 through 2025, so confirm your dwelling and loss-of-use limits would cover a full rebuild.
How often does it hail around Brenham?
From 2016 through 2025, NOAA logged 5 hail reports in Washington County, 4 of them with stones an inch or larger. FEMA’s National Risk Index rates the county’s hail risk relatively low. Keep photos of your roof’s condition so a future claim is easier to document.
Does TWIA cover homes in Brenham?
No. Washington County is outside TWIA’s designated catastrophe area, so wind and hail are covered by the homeowners policy itself, usually with a separate wind and hail deductible.
Do I have to carry homeowners insurance in Brenham?
No Texas law requires it, but mortgage lenders almost always do, and they can buy costly force-placed coverage if your policy lapses.
Compare Brenham home insurance quotes
Texas Insurance Resources shops multiple carriers for you. Call 800-875-4711 or start online.
About the data
Figures were retrieved in October 2026 and are estimates with margins of error. Premium figures in the estimate cards are illustrative models, not quotes.
- Census metro delineation
- Census Gazetteer coordinates
- Comptroller economic regions
- NFIP data (OpenFEMA), Washington County
- NWS Houston/Galveston, TX
- Disaster declarations (FEMA), Washington County
- Comparison figures: Washington County value, Washington County build year
- Texas property tax directory, Washington County
- NOAA Storm Events Database, Washington County
- Texas Windstorm Insurance Association
- FEMA Community Status Book
- FEMA NRI county ratings, Washington County
- Census Bureau ACS five-year data, Brenham city: home value, structure type, tenure, population, year built, median year built