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Home Insurance in Brookside Village, TX
Storm reports, flood records and FEMA hazard ratings for Brazoria County, with plain-English notes on how tornadoes and hurricanes risks show up in a Brookside Village policy.
$6,463/yr
About $539/mo · ~$300k-$400k dwelling class
$3,658/yr
About $305/mo after modeled shopping discount
About 43.4% below local market estimate
What FEMA’s ratings say about Brookside Village
In FEMA’s National Risk Index, Brazoria County carries an overall rating of relatively moderate. Among individual perils, the top ratings go to tornadoes (relatively high), hurricanes (relatively high) and inland flooding (relatively high).
Tornado risk is relatively high in Brazoria County. Tornado damage is covered as windstorm under a homeowners policy, subject to the wind/hail deductible.
FEMA rates hurricane exposure relatively high here, so coastal-style questions apply: who covers wind, and is flood insured separately?
With inland flooding rated relatively high, a separate flood policy is the only way to cover water that enters from outside.
Lightning is rated relatively high in Brazoria County. Fire from a strike is a covered peril; ask how your policy treats power-surge damage to appliances and electronics.
The Brazoria County storm record, 2016 to 2025
NOAA’s Storm Events Database logs 16 hail reports in Brazoria County from 2016 through 2025. In 12 cases the hail was an inch across or bigger. On March 15, 2024, observers reported hail as large as 1.75 inches. Tornado records for Brazoria County show 14 touchdowns from 2016 through 2025; the most intense was an EF2 on December 28, 2024.
NOAA also lists 48 thunderstorm wind events, the strongest estimated near 75 mph. The same records include 11 flash flood events.
FEMA has issued 13 natural-hazard major disaster declarations covering Brazoria County since 2000. Among the most recent are Hurricane Beryl (2024), Severe Winter Storms (2021) and Hurricane Harvey (2017).
Who covers wind in Brookside Village?
Because Brazoria County is among the 14 first-tier coastal counties, Brookside Village is eligible for windstorm and hail coverage from TWIA when the private market will not write it.
Flood exposure and the NFIP in Brookside Village
Brookside Village participates in the National Flood Insurance Program, so NFIP policies are available to residents. Its flood map now in force took effect in December 2020. Flood coverage is far from universal: 27,418 residential NFIP policies in Brazoria County, or about 1 per 4 homes. NFIP records show 6,507 flood claims in the county since 2016. Remember that flood is excluded from homeowners policies and NFIP coverage usually starts 30 days after purchase.
Look up your address on the FEMA Flood Map Service Center to see your flood zone.
Brookside Village housing in brief
According to the Census Bureau, the typical home in Brookside Village went up around 1984. 22% of local homes are from 2000 or later, compared with 41% built before 1980. Homeowners in Brookside Village report a median value of $352,300. That is well above the Brazoria County median of $301,600. 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 Brookside Village homeowners
Brookside Village belongs to Brazoria County. Brazoria County forms part of the urban core of the Houston-Pasadena-The Woodlands metro.
Your property record, including square footage and year built, is on the Brazoria appraisal district site at www.brazoriacad.org (phone 979-849-7792). You can also visit the office at 500 N. Chenango St. Angleton, TX 77515-4650. Brookside Village is covered by the NWS Houston/Galveston, TX forecast office, which issues local watches and warnings. Its assigned radar site for Brookside Village is KHGX.
Brookside Village hazard and coverage questions
Are tornadoes covered on a Brookside Village 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.
Is windstorm insurance through TWIA an option in Brookside Village?
Yes. Brazoria County is one of the 14 first-tier coastal counties in TWIA’s designated catastrophe area, so eligible homes can buy windstorm and hail coverage from TWIA when private carriers exclude it.
Is hail a big risk for Brookside Village roofs?
Brazoria County had 16 hail reports in NOAA’s records for 2016 to 2025, 12 of them with stones an inch or larger. FEMA’s National Risk Index rates the county’s hail risk relatively low. Impact-resistant roofing and a deductible you can afford are the two levers worth discussing with an agent.
Does Texas law require home insurance in Brookside Village?
No Texas law requires it, but mortgage lenders almost always do, and they can buy costly force-placed coverage if your policy lapses.
Ready to price your Brookside Village home?
Texas Insurance Resources shops multiple carriers for you. Call 800-875-4711 or start online.
About the data
All public data on this page was pulled in October 2026. Census numbers are survey estimates. Premium figures in the estimate cards are illustrative models, not quotes.
- FEMA National Risk Index, Brazoria County
- Texas property tax directory, Brazoria County
- Census ACS 2020–2024, Brookside Village city: home value, population, median year built, tenure, structure type, year built
- Texas Windstorm Insurance Association
- NOAA Storm Events Database, Brazoria County
- NWS Houston/Galveston, TX
- Comptroller 2024 regions
- Census metro delineation
- OpenFEMA flood insurance data, Brazoria County
- Comparison figures: Brazoria County value, Brazoria County build year
- FEMA declared disasters, Brazoria County
- NFIP Community Status Book