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Home Insurance in Hempstead, TX
How Hempstead homes and hazards compare with Waller County and Texas as a whole, and what the differences mean for your policy.
$6,259/yr
About $522/mo · ~$300k-$400k dwelling class
$3,574/yr
About $298/mo after modeled shopping discount
About 42.9% below local market estimate
Hempstead compared with Waller County and Texas
| Measure | Hempstead | Waller County | Texas |
|---|---|---|---|
| Median home value | – | $318,700 | $283,800 |
| Median year built | 1987 | 1998 | 1992 |
| Owner-occupied homes | 39% | 72% | 63% |
| Single-family detached | 42% | 64% | 64% |
| Built before 1980 | 29% | 20% | 33% |
| Built 2000 or later | 22% | 47% | 39% |
| Manufactured homes | 11% | 19% | 6% |
The housing stock in Hempstead is older than Waller County’s overall, by median build year (1987 versus 1998). Owner-occupancy is lower than the county figure (39% versus 72%). Manufactured homes are less common in Hempstead (11% of units) than across Waller County (19%).
Survey samples in Hempstead are small, so use the Waller County median home value of $318,700 as a rough guide. A home’s market value is a starting point only; the dwelling limit should reflect labor and materials to rebuild it at today’s prices.
Hazard ratings for Waller County
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Relatively Low | 4 hail reports |
| Tornadoes | Relatively High | 7 tornadoes |
| Strong wind | Relatively Moderate | 17 thunderstorm wind reports |
| Inland flooding | Relatively Low | 4 flash floods |
| Hurricanes | Relatively Moderate | – |
| Wildfire | Relatively Low | – |
| Winter weather | Very Low | – |
| Drought | Relatively High | – |
| Lightning | Relatively Moderate | – |
In FEMA’s National Risk Index, Waller County carries an overall rating of relatively low. The highest-rated individual hazards are tornadoes (relatively high), drought (relatively high) and hurricanes (relatively moderate).
Counting from 2000, 12 major disaster declarations for natural hazards have included Waller County. The latest declarations were Hurricane Beryl (2024), Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024) and Severe Winter Storms (2021).
Coverage takeaways for Hempstead
- Since Waller County is not a TWIA county, look at how your homeowners policy handles wind and hail, including whether that deductible is a flat amount or a percentage of the dwelling limit.
- NFIP flood policies are available in Hempstead, a participating community. The flood insurance rate map in effect was issued in May 2019. Flood coverage is far from universal: 1,927 residential NFIP policies in Waller County, or about 1 per 9 homes. Waller County has produced 643 NFIP claims from 2016 on. Remember that flood is excluded from homeowners policies and NFIP coverage usually starts 30 days after purchase.
- 1987 is the median year built for housing units in Hempstead. 22% of local homes are from 2000 or later, compared with 29% built before 1980. Some homes from the late 1970s through the mid-1990s used polybutylene supply lines, a material some insurers ask about during underwriting.
Contacts for Hempstead homeowners
Square footage and build year on file with the Waller appraisal district (www.waller-cad.org) feed straight into replacement-cost estimates, so check them for errors. Its office is at 900 13th St. Hempstead, TX 77445-5155. The NWS Houston/Galveston, TX office handles forecasts and storm warnings for Hempstead. The radar the weather service assigns to this point is KHGX.
Hempstead is in Waller County. Waller County forms part of the urban core of the Houston-Pasadena-The Woodlands metro. Head about 36 miles from Hempstead and you reach College Station, the nearest larger city.
Questions Hempstead homeowners ask
Which weather risks matter for insuring a home in Hempstead?
Waller County is rated relatively low overall in FEMA’s National Risk Index. The top-rated hazards are tornadoes (relatively high), drought (relatively high) and hurricanes (relatively moderate). Flood is the one that needs its own policy; the others are generally covered perils with deductibles.
Can I get TWIA windstorm coverage in Hempstead?
No. Waller County is outside TWIA’s designated catastrophe area, so wind and hail are covered by the homeowners policy itself, usually with a separate wind and hail deductible.
How many major disasters has Waller County seen?
Waller County has been included in 12 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.
What coverage do landlords and tenants need in Hempstead?
Renters occupy about 61% of homes in Hempstead. Landlords generally need a DP-1, DP-2 or DP-3 dwelling policy, and tenants need renters insurance, because the landlord’s policy does not cover a tenant’s belongings.
Ready to price your Hempstead home?
One call to 800-875-4711 or a short online form gets several carriers working on your quote.
Sources for this Hempstead page
Public data current as of October 2026; Census figures are survey estimates. Premium figures in the estimate cards are illustrative models, not quotes.
- County and state comparisons: Waller County value, Waller County build year, Texas value
- TWIA coverage area
- Disaster declarations (FEMA), Waller County
- OpenFEMA flood insurance data, Waller County
- OMB metro and micro areas
- Gazetteer (Census)
- Census Bureau ACS five-year data, Hempstead city: structure type, year built, tenure, home value, median year built, population
- NOAA NCEI storm reports, Waller County
- Comptroller CAD listing, Waller County
- National Risk Index (FEMA), Waller County
- NWS Houston/Galveston, TX
- Texas Comptroller regions
- Community Status Book (NFIP)