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Home Insurance in Fulshear, TX
Side-by-side numbers for Fulshear, Fort Bend County and the state, covering housing, hazards and flood insurance.
$6,682/yr
About $557/mo · ~$300k-$400k dwelling class
$4,303/yr
About $359/mo after modeled shopping discount
About 35.6% below local market estimate
Fulshear compared with Fort Bend County and Texas
| Measure | Fulshear | Fort Bend County | Texas |
|---|---|---|---|
| Median home value | $572,700 | $374,500 | $283,800 |
| Median year built | 2016 | 2005 | 1992 |
| Owner-occupied homes | 90% | 77% | 63% |
| Single-family detached | 92% | 83% | 64% |
| Built before 1980 | 3% | 12% | 33% |
| Built 2000 or later | 96% | 61% | 39% |
| Manufactured homes | less than 1% | 3% | 6% |
Homes in Fulshear are newer than the county norm, with a median build year of 2016 against 2005 for Fort Bend County. 90% of occupied homes are owner-occupied in Fulshear, above the Fort Bend County share of 77%.
Owners in Fulshear put the median value of their homes at $572,700. For comparison, Fort Bend County as a whole comes in at $374,500. Your dwelling limit should be built from square footage, materials and local labor costs rather than what the house would sell for.
Fort Bend County hazards and storm counts
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Relatively Moderate | 24 hail reports |
| Tornadoes | Very High | 11 tornadoes |
| Strong wind | Relatively High | 34 thunderstorm wind reports |
| Inland flooding | Relatively High | 23 flash floods |
| Hurricanes | Relatively High | – |
| Coastal flooding | Very Low | – |
| Wildfire | Relatively Low | – |
| Winter weather | Relatively Low | – |
| Drought | Relatively Moderate | – |
| Lightning | Very High | – |
FEMA’s county-level National Risk Index puts Fort Bend County in the relatively high band overall. Hazard by hazard, the strongest scores are for tornadoes (very high), lightning (very high) and hurricanes (relatively high).
Counting from 2000, 11 major disaster declarations for natural hazards have included Fort Bend County. The most recent include Hurricane Beryl (2024), Severe Winter Storms (2021) and Hurricane Harvey (2017).
What the comparison means for your policy
- TWIA does not write in Fort Bend County; wind and hail claims go through your regular homeowners policy, which may carry its own wind/hail deductible.
- The city takes part in the National Flood Insurance Program, which makes federal flood policies available. The effective FEMA flood map for the community is from January 2021. NFIP data counts 39,537 residential flood policies in Fort Bend County, about 1 for every 6 homes. Fort Bend County has produced 5,166 NFIP claims from 2016 on. Since homeowners forms exclude flood, plan ahead: most NFIP policies only take effect after a 30-day waiting period.
- Line up every home in Fulshear by age and the one in the middle was built in 2016. The split is roughly 3% pre-1980 construction versus 96% built from 2000 on. With so much newer housing, ask carriers whether they offer a new-construction credit and how long it lasts.
Local offices and records
Before you request quotes, pull your record from the Fort Bend appraisal district at www.fbcad.org; the Texas Comptroller’s Fort Bend County directory lists its contact details. The district office address is 2801 B.F. Terry Blvd. Rosenberg, TX 77471-5600. Watches and warnings for Fulshear are issued by NWS Houston/Galveston, TX. The associated NEXRAD radar is KHGX.
For county-level data, Fulshear falls under Fort Bend County. The Houston-Pasadena-The Woodlands metro area counts Fort Bend County among its central counties. The nearest bigger city is Sugar Land, about 17 miles from Fulshear as the crow flies.
Questions Fulshear homeowners ask
What does FEMA’s risk index say about Fort Bend County?
Fort Bend County is rated relatively high overall in FEMA’s National Risk Index. The top-rated hazards are tornadoes (very high), lightning (very high) and hurricanes (relatively high). Those are the perils to ask about when you compare deductibles and endorsements.
Do I have to carry homeowners insurance in Fulshear?
Only your lender can require it; Texas itself does not. If the home is paid off, the choice is yours, but one serious storm or fire can cost far more than years of premiums.
What does the Fulshear savings estimate on this page mean?
Our illustrative TX Insurance Resources estimate for Fulshear reflects a modeled 35.6% improvement versus the local market anchor. It is an estimate for comparison only; real results vary by home, coverage and carrier.
Is the median home value in Fulshear the right dwelling limit?
Usually not. The median owner-estimated value in Fulshear is $572,700, yet that number includes land and location. Carriers estimate replacement cost from size, construction and finishes, and that is what the dwelling limit should follow.
Compare Fulshear home insurance quotes
One call to 800-875-4711 or a short online form gets several carriers working on your quote.
Data sources and notes
Figures were retrieved in October 2026 and are estimates with margins of error. The two price cards are modeled estimates from Texas Insurance Resources, not quotes.
- NWS Houston/Galveston, TX
- NFIP data (OpenFEMA), Fort Bend County
- Census Bureau ACS five-year data, Fulshear city: median year built, structure type, population, tenure, year built, home value
- Census CBSA delineation
- Census Gazetteer coordinates
- FEMA National Risk Index, Fort Bend County
- Disaster declarations (FEMA), Fort Bend County
- Storm Events Database (NOAA), Fort Bend County
- Comptroller CAD listing, Fort Bend County
- TWIA coverage area
- Community Status Book (NFIP)
- Comptroller 2024 regions
- Comparison figures: Fort Bend County value, Fort Bend County build year, Texas value