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Home Insurance in Damon, TX
FEMA rates tornadoes and hurricanes as the leading natural hazards for Brazoria County. Here is the storm, flood and wind record that shapes home insurance in Damon.
$6,572/yr
About $548/mo · ~$300k-$400k dwelling class
$4,226/yr
About $352/mo after modeled shopping discount
About 35.7% below local market estimate
Damon hazard snapshot
The National Risk Index from FEMA scores Brazoria County as relatively moderate for combined natural-hazard risk. Hazard by hazard, the strongest scores are for tornadoes (relatively high), hurricanes (relatively high) and inland flooding (relatively high).
FEMA rates tornado risk relatively high here; adequate dwelling and other-structures limits matter more than any special endorsement.
Hurricanes are rated relatively high; hurricane wind falls under wind coverage, while storm surge is flood and needs its own policy.
Inland flood risk is relatively high in Brazoria County; heavy rain can flood homes outside mapped zones, and homeowners policies exclude it.
FEMA rates lightning relatively high here; ask whether electronics damaged by a surge are covered and at what limit.
Recent severe weather in Brazoria County
From 2016 to 2025, 16 hail events were recorded in Brazoria County in NOAA’s Storm Events Database. Quarter-size or larger stones, an inch and up, appear in 12 of them. The largest reported hail was 1.75 inches on March 15, 2024. Between 2016 and 2025, 14 tornadoes touched down in Brazoria County, topped by an EF2 on December 28, 2024.
Thunderstorm wind reports numbered 48, with a peak near 75 mph. NOAA also counts 11 flash flood events in the county in that period.
Brazoria County appears in 13 presidential major disaster declarations for weather and other natural hazards from 2000 onward. The most recent include Hurricane Beryl (2024), Severe Winter Storms (2021) and Hurricane Harvey (2017).
Windstorm questions for Damon homes
TWIA, the state’s windstorm insurer of last resort, covers all 14 first-tier coastal counties, including Brazoria County. That means Damon can get wind and hail coverage there if private carriers exclude it.
Flood insurance in Damon
Homes outside city limits fall under Brazoria County’s NFIP participation, so federal flood policies are available. In Brazoria County, roughly 1 home in 4 has federal flood coverage (27,418 residential policies in force). Policyholders in the county have filed 6,507 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 FEMA Flood Map Service Center shows the flood zone for any address.
How Damon homes are built and valued
About 33% of homes went up before 1980, while 53% were built in 2000 or later. Survey samples in Damon are small, so use the Brazoria County median home value of $301,600 as a rough guide. 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 records and contacts for Damon
The county for Damon is Brazoria County. Federal statistical definitions place Brazoria County at the core of the Houston-Pasadena-The Woodlands metro area. Head about 22 miles from Damon and you reach Sugar Land, the nearest larger city.
The Brazoria County appraisal district (www.brazoriacad.org) publishes the square footage, year built and improvements insurers use to estimate rebuild cost. Its office is at 500 N. Chenango St. Angleton, TX 77515-4650. The NWS Houston/Galveston, TX office handles forecasts and storm warnings for Damon. Radar coverage comes from the KHGX site.
Questions about weather risk in Damon
Does homeowners insurance cover tornado damage in Damon?
Yes, tornado damage is covered as windstorm, subject to your wind and hail deductible. NOAA records show 14 tornadoes in Brazoria County from 2016 through 2025, so confirm your dwelling and loss-of-use limits would cover a full rebuild.
Will my policy cover foundation problems from drought in Damon?
Generally no. Settling and earth movement are excluded on most homeowners forms, even though drought, rated relatively moderate in Brazoria County by FEMA, can move foundations. A covered water leak that damages the slab may be the exception.
What does the hail record look like near Damon?
NOAA’s Storm Events Database lists 16 hail reports in Brazoria County from 2016 through 2025, 12 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.
Can I get TWIA windstorm coverage in Damon?
Yes. TWIA’s designated catastrophe area covers all of Brazoria County, one of the 14 first-tier coastal counties. Homes that meet TWIA’s eligibility rules can insure wind and hail there if the homeowners carrier excludes those perils.
Request a Damon homeowners quote
Talk to a licensed Texas Insurance Resources agent at 800-875-4711, or get a quote online.
Sources for this Damon page
Public data current as of October 2026; Census figures are survey estimates. Price estimates near the top are Texas Insurance Resources models for comparison, not quotes or published averages.
- Comptroller CAD listing, Brazoria County
- American Community Survey 2020–2024, Damon CDP: tenure, year built, population, structure type, home value, median year built
- FEMA disaster declarations, Brazoria County
- NWS Houston/Galveston, TX
- TWIA coverage area
- Comptroller economic regions
- Benchmarks: Brazoria County value, Brazoria County build year
- National Risk Index (FEMA), Brazoria County
- NOAA NCEI storm reports, Brazoria County
- OMB metro and micro areas
- Gazetteer (Census)
- NFIP data (OpenFEMA), Brazoria County