Home / Texas Home Insurance Locations / Crosby
Home Insurance in Crosby, TX
Crosby homeowners insure against tornadoes and hurricanes first, according to FEMA’s county ratings. This page lays out the local hazard data and what it means for coverage.
$6,489/yr
About $541/mo · ~$300k-$400k dwelling class
$3,952/yr
About $329/mo after modeled shopping discount
About 39.1% below local market estimate
Crosby hazard snapshot
The National Risk Index from FEMA scores Harris County as very high for combined natural-hazard risk. The individual hazards that stand out are tornadoes (very high), hurricanes (very high) and inland flooding (very high).
FEMA rates tornado risk very high here; adequate dwelling and other-structures limits matter more than any special endorsement.
Hurricane risk is very high in Harris County. Named-storm deductibles and the split between wind and flood coverage matter most.
FEMA rates inland flood risk very high; flood coverage is separate and worth pricing even outside a mapped high-risk zone.
Strong wind is rated very high in Harris County, which means straight-line wind claims to roofs and fences are common.
The Harris County storm record, 2016 to 2025
Harris County had 143 hail reports in NOAA’s storm records for 2016 through 2025. Quarter-size or larger stones, an inch and up, appear in 119 of them. On January 8, 2016, observers reported hail as large as 2.5 inches. Between 2016 and 2025, 33 tornadoes touched down in Harris County, topped by an EF3 on January 24, 2023.
NOAA also lists 176 thunderstorm wind events, the strongest estimated near 104 mph. NOAA also counts 92 flash flood events in the county in that period.
Natural hazards have put Harris County in 15 federal major disaster declarations since 2000. Recent ones: Hurricane Beryl (2024), Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024) and Severe Winter Storms (2021).
Windstorm questions for Crosby homes
There is no TWIA option in Harris County, so the homeowners carrier handles wind and hail, and its deductible for those perils can differ from the all-other-perils deductible.
Flood risk and coverage for Crosby
Harris County participates in the NFIP for its unincorporated areas, so federal flood policies can be bought here. In Harris County, roughly 1 home in 6 has federal flood coverage (206,279 residential policies in force). NFIP records show 66,161 flood claims in the county since 2016. Remember that flood is excluded from homeowners policies and NFIP coverage usually starts 30 days after purchase.
Search the FEMA Flood Map Service Center by street address to find your zone.
How Crosby homes are built and valued
About 31% of homes went up before 1980, while 44% were built in 2000 or later. Owners in Crosby put the median value of their homes at $226,700. The county-wide figure is higher, at $276,600. Market value includes land and location, so it is not the same as the cost to rebuild; insure the dwelling to a replacement-cost estimate instead.
Local offices for Crosby homeowners
Crosby sits within Harris County. Federal statistical definitions place Harris County at the core of the Houston-Pasadena-The Woodlands metro area. Measured point to point, Crosby sits roughly 12 miles northwest of Baytown.
Your property record, including square footage and year built, is on the Harris appraisal district site at www.hcad.org (phone 713-957-7800). Its office is at 13013 Northwest Frwy. Houston, TX 77040-6305. For local warnings, the responsible National Weather Service office is NWS Houston/Galveston, TX. Its assigned radar site for Crosby is KHGX.
Questions about weather risk in Crosby
Are tornadoes covered on a Crosby home policy?
Yes. Tornadoes fall under the windstorm peril, so the wind and hail deductible applies. Harris County had 33 tornadoes in NOAA’s 2016 to 2025 records, which is a good reason to check your dwelling, other-structures and debris-removal limits.
Do I have to carry homeowners insurance in Crosby?
Texas does not mandate homeowners insurance, yet nearly every mortgage requires it. Owners without a loan still carry the full cost of a fire, hail or theft loss if uninsured.
Will my policy cover foundation problems from drought in Crosby?
Generally no. Settling and earth movement are excluded on most homeowners forms, even though drought, rated relatively moderate in Harris County by FEMA, can move foundations. A covered water leak that damages the slab may be the exception.
Is a percentage deductible a good idea in Crosby?
A percentage deductible is calculated on your dwelling limit; for example, 2% of a $300,000 dwelling limit is $6,000 out of pocket per wind or hail claim. A flat-dollar deductible usually costs more in premium but is easier to budget. Harris County logged 119 reports of hail an inch or larger from 2016 through 2025, so run the numbers both ways.
Compare Crosby home insurance quotes
Texas Insurance Resources shops multiple carriers for you. Call 800-875-4711 or start online.
Sources and methodology
Data reflects the most recent releases available in October 2026; survey figures carry margins of error. Price estimates near the top are Texas Insurance Resources models for comparison, not quotes or published averages.
- Comptroller 2024 regions
- National Risk Index (FEMA), Harris County
- OpenFEMA flood insurance data, Harris County
- Census metro delineation
- Census Gazetteer files
- TWIA coverage area
- Storm Events Database (NOAA), Harris County
- Census Bureau ACS five-year data, Crosby CDP: home value, structure type, population, median year built, tenure, year built
- NWS Houston/Galveston, TX
- FEMA declared disasters, Harris County
- Benchmarks: Harris County value, Harris County build year
- Comptroller CAD listing, Harris County