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Home Insurance in College Station, TX
How College Station homes and hazards compare with Brazos County and Texas as a whole, and what the differences mean for your policy.
$6,352/yr
About $529/mo · ~$300k-$400k dwelling class
$4,129/yr
About $344/mo after modeled shopping discount
About 35% below local market estimate
How College Station homes compare
| Measure | College Station | Brazos County | Texas |
|---|---|---|---|
| Median home value | $346,700 | $296,000 | $283,800 |
| Median year built | 1999 | 1997 | 1992 |
| Owner-occupied homes | 35% | 47% | 63% |
| Single-family detached | 42% | 51% | 64% |
| Built before 1980 | 18% | 23% | 33% |
| Built 2000 or later | 48% | 46% | 39% |
| Manufactured homes | less than 1% | 6% | 6% |
By median build year, College Station (1999) and Brazos County (1997) are similar. Owner-occupancy is lower than the county figure (35% versus 47%). Manufactured homes are less common in College Station (less than 1% of units) than across Brazos County (6%).
Owners in College Station put the median value of their homes at $346,700. That is well above the Brazos County median of $296,000. Your dwelling limit should be built from square footage, materials and local labor costs rather than what the house would sell for.
Brazos County hazards and storm counts
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Relatively Moderate | 80 hail reports |
| Tornadoes | Relatively High | 5 tornadoes |
| Strong wind | Relatively High | 75 thunderstorm wind reports |
| Inland flooding | Relatively Moderate | 8 flash floods |
| Hurricanes | Relatively Moderate | – |
| Wildfire | Very Low | – |
| Winter weather | Relatively High | – |
| Drought | Relatively Moderate | – |
| Lightning | Very High | – |
In FEMA’s National Risk Index, Brazos County carries an overall rating of relatively moderate. Hazard by hazard, the strongest scores are for lightning (very high), tornadoes (relatively high) and winter weather (relatively high).
Natural hazards have put Brazos County in 6 federal major disaster declarations since 2000. Recent ones: Hurricane Beryl (2024), Severe Winter Storms (2021) and Severe Storms and Flooding (2016).
Coverage takeaways for College Station
- There is no TWIA option in Brazos County, so the homeowners carrier handles wind and hail, and its deductible for those perils can differ from the all-other-perils deductible.
- College Station participates in the National Flood Insurance Program, so NFIP policies are available to residents. Its current effective flood map dates to April 2014. It also holds Community Rating System Class 6, which trims NFIP premiums for high-risk-zone policies by 20%. Flood coverage is far from universal: 1,266 residential NFIP policies in Brazos County, or about 1 per 49 homes. Policyholders in the county have filed 204 NFIP claims since 2016. Standard homeowners policies exclude flood, and a new NFIP policy generally has a 30-day waiting period.
- Half of the housing in College Station dates from 1999 or earlier, per Census estimates. Pre-1980 houses are about 18% of the stock, and post-2000 houses about 48%. Homes from the 1980s and 1990s are now old enough that many are on a second roof, and insurers commonly ask when it was replaced.
Where to verify College Station details
Your property record, including square footage and year built, is on the Brazos appraisal district site at brazoscad.org (phone 979-774-4100). Its office is at 4051 Pendleton Dr. Bryan, TX 77802. College Station is covered by the NWS Houston/Galveston, TX forecast office, which issues local watches and warnings. The associated NEXRAD radar is KGRK.
College Station belongs to Brazos County. The College Station-Bryan metro area counts Brazos County among its central counties. By straight-line distance, College Station is about 77 miles northwest of Houston.
College Station coverage questions
What does FEMA’s risk index say about Brazos County?
Brazos County is rated relatively moderate overall in FEMA’s National Risk Index. Its standout hazards are lightning (very high), tornadoes (relatively high) and winter weather (relatively high). Flood is the one that needs its own policy; the others are generally covered perils with deductibles.
Can I get competitive quotes in College Station from carriers outside the area?
Yes. Pricing depends on your address and home, not the agent’s office. Whether you are in College Station or Houston, about 77 miles away, an independent agency can shop multiple carriers remotely.
Is home insurance required in College Station?
No Texas law requires it, but mortgage lenders almost always do, and they can buy costly force-placed coverage if your policy lapses.
What is a typical savings range when switching?
On this page we model a 35% gap between the local market estimate and our estimate for College Station. It is not a quote, and actual savings can be higher, lower or zero.
Compare College Station home insurance quotes
Texas Insurance Resources shops multiple carriers for you. Call 800-875-4711 or start online.
Where the College Station numbers come from
Figures were retrieved in October 2026 and are estimates with margins of error. Premium figures in the estimate cards are illustrative models, not quotes.
- National Risk Index (FEMA), Brazos County
- Comparison figures: Brazos County value, Brazos County build year, Texas value
- NOAA Storm Events Database, Brazos County
- FEMA Community Status Book
- OpenFEMA NFIP data, Brazos County
- FEMA declared disasters, Brazos County
- NWS Houston/Galveston, TX
- TWIA eligibility
- Census CBSA delineation
- Census Gazetteer files
- Comptroller county directory, Brazos County
- Census Bureau ACS five-year data, College Station city: year built, structure type, population, home value, tenure, median year built
- Texas Comptroller regions