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Home Insurance in Friendswood, TX
A practical plan for buying home insurance in Friendswood: the records to pull, the limits to set and the local risks to price in.
How to shop for home insurance in Friendswood
- Gather your home’s details. Your property record, including square footage and year built, is on the Galveston appraisal district site at www.galvestoncad.org (phone 409-935-1980). You can also visit the office at 9850 Emmett F. Lowry Expwy, Suite A Texas City, TX 77591.
- Set the dwelling limit from rebuild cost. Census data shows a median home value of $420,100 in Friendswood. That is well above the Galveston County median of $314,600. Keep in mind that Coverage A should follow rebuilding cost, not sale price, since the lot itself does not burn or blow away.
- Choose a wind and hail deductible. Over the ten years from 2016 to 2025, NOAA recorded 18 hail events across Galveston County. 13 of those involved stones an inch or larger, the size that commonly damages shingles. On May 31, 2024, observers reported hail as large as 2.75 inches. Ask each carrier for quotes at two deductible levels so the trade-off is visible.
- Confirm who covers wind. Galveston County is a first-tier coastal county, so the part of Friendswood in Galveston County falls within TWIA’s designated catastrophe area. Many local policies split wind and hail off to TWIA while the homeowners policy covers everything else.
- Do not skip the flood question. FEMA lists Friendswood as a participating NFIP community. Its flood map now in force took effect in August 2019. Through FEMA’s Community Rating System it is rated Class 5, worth a 25% discount on NFIP policies in the special flood hazard area. NFIP data counts 52,889 residential flood policies in Galveston County, about 1 for every 2 homes. Policyholders in the county have filed 10,476 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. Search the FEMA Flood Map Service Center by street address to find your zone.
- Compare quotes on equal terms. Ask every carrier to quote the same dwelling limit, deductibles and endorsements, then compare price and claim terms. An independent agency can run several Friendswood quotes at once; start a quote here.
$6,369/yr
About $531/mo · ~$300k-$400k dwelling class
$3,770/yr
About $314/mo after modeled shopping discount
About 40.8% below local market estimate
Friendswood data in one place
Galveston County lands in the relatively high category of FEMA’s National Risk Index. Hazard by hazard, the strongest scores are for lightning (very high), cold waves (very high) and tornadoes (relatively high).
Friendswood and its housing
County figures on this page refer to Galveston County, which holds the largest share of Friendswood; it also extends into Harris County. Galveston County counts as an outlying county of the Houston-Pasadena-The Woodlands metro area. Friendswood lies west of League City, around 6 miles away in a straight line.
About 83% of homes in Friendswood are detached single-family houses; owners occupy 77% of the occupied units. Line up every home in Friendswood by age and the one in the middle was built in 1991. About 30% of homes went up before 1980, while 33% were built in 2000 or later.
Severe weather warnings for Friendswood come from the NWS Houston/Galveston, TX office. The radar the weather service assigns to this point is KHGX.
Friendswood quote questions
Should I compare quotes every year in Friendswood?
Check before each renewal. Carriers adjust rates and underwriting appetite over time, so last year’s best price may not hold.
Do I need a local agent for a Friendswood home?
No. Friendswood is about 6 miles west of League City, 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 do wind and hail deductibles work in Friendswood?
Pick the deductible you could pay the week after a storm. Percentage deductibles scale with the dwelling limit, so 1% on a $400,000 limit means $4,000 per claim, while flat deductibles stay fixed. Galveston County logged 13 reports of hail an inch or larger from 2016 through 2025, so run the numbers both ways.
What is a typical savings range when switching?
The estimate cards above model about 40.8% below the local market figure for Friendswood. Treat it as illustrative; your quote depends on the home, roof, claims history and deductible.
Compare Friendswood home insurance quotes
Compare carriers with Texas Insurance Resources. Call 800-875-4711 or request a quote online.
Data sources and notes
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.
- NWS Houston/Galveston, TX
- Census ACS 2020–2024, Friendswood city: year built, population, median year built, home value, structure type, tenure
- Texas Comptroller regions
- FEMA declared disasters, Galveston County
- OpenFEMA NFIP data, Galveston County
- Comptroller CAD listing, Galveston County
- TWIA coverage area
- Benchmarks: Galveston County value, Galveston County build year
- Census metro delineation
- Census Gazetteer coordinates
- Community Status Book (NFIP)
- Storm Events Database (NOAA), Galveston County
- FEMA NRI county ratings, Galveston County