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Home Insurance in Cypress, TX
Side-by-side numbers for Cypress, Harris County and the state, covering housing, hazards and flood insurance.
$6,171/yr
About $514/mo · ~$300k-$400k dwelling class
$3,696/yr
About $308/mo after modeled shopping discount
About 40.1% below local market estimate
Cypress compared with Harris County and Texas
| Measure | Cypress area | Harris County | Texas |
|---|---|---|---|
| Median home value | – | $276,600 | $283,800 |
| Median year built | – | 1988 | 1992 |
| Owner-occupied homes | 81% | 55% | 63% |
| Single-family detached | 85% | 57% | 64% |
| Built before 1980 | 7% | 37% | 33% |
| Built 2000 or later | 74% | 36% | 39% |
| Manufactured homes | 1% | 3% | 6% |
81% of occupied homes are owner-occupied in Cypress, above the Harris County share of 55%.
Census median home values are $369,000 in ZCTA 77429 and $409,400 in ZCTA 77433. 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.
Weather risk in Harris County, rated
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Relatively Moderate | 143 hail reports |
| Tornadoes | Very High | 33 tornadoes |
| Strong wind | Very High | 176 thunderstorm wind reports |
| Inland flooding | Very High | 92 flash floods |
| Hurricanes | Very High | – |
| Coastal flooding | Relatively High | – |
| Wildfire | Relatively Low | – |
| Winter weather | Relatively High | – |
| Drought | Relatively Moderate | – |
| Lightning | Very High | – |
Taking all natural hazards together, FEMA rates Harris County very high. The individual hazards that stand out are tornadoes (very high), hurricanes (very high) and inland flooding (very high).
FEMA has issued 15 natural-hazard major disaster declarations covering Harris County since 2000. Among the most recent are Hurricane Beryl (2024), Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024) and Severe Winter Storms (2021).
What the comparison means for your policy
- Wind coverage in Harris County stays inside the homeowners policy because the county is outside TWIA’s coastal territory; compare the wind/hail deductible on every quote.
- Homes outside city limits fall under Harris County’s NFIP participation, so federal flood policies are available. Flood coverage is far from universal: 206,279 residential NFIP policies in Harris County, or about 1 per 6 homes. Policyholders in the county have filed 66,161 NFIP claims since 2016. A homeowners policy will not pay for rising water; flood is a separate policy, and NFIP coverage typically takes 30 days to begin.
- The split is roughly 7% pre-1980 construction versus 74% built from 2000 on. Builders’ finishes in newer homes, such as stone counters and custom trim, push replacement cost up, so check that Coverage A keeps pace.
Where to verify Cypress details
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. Cypress is covered by the NWS Houston/Galveston, TX forecast office, which issues local watches and warnings. The radar the weather service assigns to this point is KHGX.
The county for Cypress is Harris County. Harris County forms part of the urban core of the Houston-Pasadena-The Woodlands metro. By straight-line distance, Cypress is about 23 miles northwest of Houston.
Questions Cypress homeowners ask
Which weather risks matter for insuring a home in Cypress?
Harris County is rated very high overall in FEMA’s National Risk Index. The highest individual ratings are for tornadoes (very high), hurricanes (very high) and inland flooding (very high). Use that list to decide where higher limits or a lower deductible are worth the premium.
Is homeowners coverage mandatory for Cypress homeowners?
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.
Do I need a local agent for a Cypress home?
No. Cypress is about 23 miles northwest of Houston, and carriers rate by address, not by where the agent sits. An independent agency can compare several carriers for your exact location by phone or online.
How many major disasters has Harris County seen?
Harris County has been included in 15 natural-hazard major disaster declarations since 2000. The most recent was Hurricane Beryl, declared in July 2024. FEMA assistance is capped and is not a substitute for insurance.
Compare Cypress home insurance quotes
Talk to a licensed Texas Insurance Resources agent at 800-875-4711, or get a quote online.
Sources and methodology
Cypress is unincorporated and not a separate Census place, so Census figures on this page are for ZIP code areas 77429 and 77433, which may extend beyond the community. All public data on this page was pulled in October 2026. Census numbers are survey estimates. The two price cards are modeled estimates from Texas Insurance Resources, not quotes.
- OpenFEMA flood insurance data, Harris County
- Disaster declarations (FEMA), Harris County
- Comptroller economic regions
- Comptroller CAD listing, Harris County
- Census Bureau ACS five-year data, ZCTA 77429, 77433: population, year built, home value, median year built, structure type, tenure
- Comparison figures: Harris County value, Harris County build year, Texas value
- TWIA coverage area
- Storm Events Database (NOAA), Harris County
- FEMA National Risk Index, Harris County
- Census CBSA delineation
- Census Gazetteer coordinates
- NWS Houston/Galveston, TX