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Home Insurance in Guy, TX
What Guy houses look like on paper, including age, type and value, and how each detail feeds into a homeowners quote.
Guy homes at a glance
The owner-occupancy rate is around 88%, and roughly 60% of all units are stand-alone single-family homes. Manufactured homes are common, at about 40% of units, and they are usually insured on a separate manufactured-home form rather than a standard HO-3.
Older, newer and in between: Guy homes
Line up every home in the ZIP code area around Guy (ZCTA 77444) by age and the one in the middle was built in 1979. About 53% of homes went up before 1980, while 20% were built in 2000 or later. Houses from this era often have had partial updates, so documenting a newer roof, water heater or HVAC can help when quotes are compared.
$6,507/yr
About $542/mo · ~$300k-$400k dwelling class
$4,204/yr
About $350/mo after modeled shopping discount
About 35.4% below local market estimate
How much coverage a Guy home needs
For a small place like the ZIP code area around Guy (ZCTA 77444), the survey margin on home values is wide, so the county median of $301,600 is a steadier reference. 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.
The six parts of a Guy homeowners policy
Covers the house. Lenders require it, and it is the base that percentage deductibles are calculated from.
Anything not attached to the house, such as fences, carports and barns.
Contents coverage, with special lower limits for jewelry, firearms and collectibles unless scheduled.
Loss of use. After a large storm, contractor backlogs can stretch repairs, so this limit matters.
Covers your legal liability for injuries or damage to others; an umbrella policy can extend it.
Small medical bills for guests injured at your home, regardless of fault.
Storm and flood context for Guy
Taking all natural hazards together, FEMA rates Brazoria County relatively moderate. The highest-rated individual hazards are tornadoes (relatively high), hurricanes (relatively high) and inland flooding (relatively high). Over the ten years from 2016 to 2025, NOAA recorded 16 hail events across Brazoria County. In 12 cases the hail was an inch across or bigger. On March 15, 2024, observers reported hail as large as 1.75 inches.
TWIA, the state’s windstorm insurer of last resort, covers all 14 first-tier coastal counties, including Brazoria County. That means Guy can get wind and hail coverage there if private carriers exclude it. Search the FEMA Flood Map Service Center by street address to find your zone.
Local resources for Guy homeowners
Before you request quotes, pull your record from the Brazoria appraisal district at www.brazoriacad.org; the Texas Comptroller’s Brazoria County directory lists its contact details. The district office address is 500 N. Chenango St. Angleton, TX 77515-4650.
For county-level data, Guy falls under Brazoria County. Brazoria County is a central county of the Houston-Pasadena-The Woodlands metropolitan area. Guy lies south of Sugar Land, around 23 miles away in a straight line.
Guy housing and coverage questions
Are most homes in Guy old or new?
Census estimates put the median build year at 1979, with about 53% of homes older than 1980. At this age the roof is the main question, followed by the water heater and supply lines.
Is homeowners coverage mandatory for Guy 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.
Should I compare quotes every year in Guy?
Yearly is a good habit, plus whenever your premium jumps, you finish a remodel or you replace the roof.
Do I need separate flood insurance in Guy?
Flood is not part of a homeowners policy; it is bought separately through the NFIP or a private insurer. Only about 1 in 4 Brazoria County homes carries NFIP coverage. New NFIP policies usually take 30 days to start.
Get a Guy home insurance quote
Compare carriers with Texas Insurance Resources. Call 800-875-4711 or request a quote online.
Sources for this Guy page
Guy is unincorporated and not a separate Census place, so Census figures on this page are for ZIP code area 77444, which may extend beyond the community. 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.
- County and state comparisons: Brazoria County value, Brazoria County build year
- FEMA NRI county ratings, Brazoria County
- Comptroller county directory, Brazoria County
- Texas Windstorm Insurance Association
- Texas Comptroller regions
- Census Bureau ACS five-year data, ZCTA 77444: home value, population, structure type, tenure, median year built, year built
- NFIP data (OpenFEMA), Brazoria County
- Storm Events Database (NOAA), Brazoria County
- OMB metro and micro areas
- Gazetteer (Census)