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Home Insurance in High Island, TX
See where High Island stands against county and statewide figures before you compare home insurance quotes.
$5,903/yr
About $492/mo · ~$300k-$400k dwelling class
$3,583/yr
About $299/mo after modeled shopping discount
About 39.3% below local market estimate
High Island, Galveston County and Texas side by side
| Measure | High Island area | Galveston County | Texas |
|---|---|---|---|
| Median home value | – | $314,600 | $283,800 |
| Median year built | – | 1990 | 1992 |
| Owner-occupied homes | 91% | 68% | 63% |
| Single-family detached | 91% | 72% | 64% |
| Built before 1980 | 58% | 36% | 33% |
| Built 2000 or later | 29% | 38% | 39% |
| Manufactured homes | 9% | 4% | 6% |
Owner-occupancy is higher than the county figure (91% versus 68%). Manufactured homes are more common in High Island (9% of units) than across Galveston County (4%).
Survey samples in the ZIP code area around High Island (ZCTA 77623) are small, so use the Galveston County median home value of $314,600 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 Galveston County
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Relatively Low | 18 hail reports |
| Tornadoes | Relatively High | 11 tornadoes |
| Strong wind | Relatively Moderate | 48 thunderstorm wind reports |
| Inland flooding | Relatively High | 43 flash floods |
| Hurricanes | Relatively High | – |
| Coastal flooding | Relatively High | – |
| Wildfire | Relatively Low | – |
| Winter weather | Very Low | – |
| Drought | Relatively High | – |
| Lightning | Very High | – |
Taking all natural hazards together, FEMA rates Galveston County relatively high. The highest-rated individual hazards are lightning (very high), cold waves (very high) and tornadoes (relatively high).
Natural hazards have put Galveston County in 11 federal major disaster declarations since 2000. The latest declarations were Hurricane Beryl (2024), Severe Winter Storms (2021) and Hurricane Laura (2020).
What the comparison means for your policy
- High Island is inside the Texas Windstorm Insurance Association’s designated catastrophe area, because Galveston County is one of the 14 first-tier coastal counties. If a private carrier excludes wind and hail, TWIA can fill that gap for eligible properties.
- Galveston County participates in the NFIP for its unincorporated areas, so federal flood policies can be bought here. Across Galveston County, 52,889 residential NFIP policies were in force, roughly 1 for every 2 homes. Policyholders in the county have filed 10,476 NFIP claims since 2016. Flood needs its own policy, and buying one right before a storm will not help because of the usual 30-day wait.
- Roughly 58% of the housing stock predates 1980 and 29% is from 2000 onward. For older houses, rebuilding to current code can cost more than the original structure, which is why ordinance or law coverage is worth pricing.
Where to verify High Island details
Square footage and build year on file with the Galveston appraisal district (www.galvestoncad.org) feed straight into replacement-cost estimates, so check them for errors. You can also visit the office at 9850 Emmett F. Lowry Expwy, Suite A Texas City, TX 77591. High Island is covered by the NWS Houston/Galveston, TX forecast office, which issues local watches and warnings. Its assigned radar site for High Island is KHGX.
The county for High Island is Galveston County. The Houston-Pasadena-The Woodlands metro reaches out to include Galveston County. Head about 36 miles from High Island and you reach Baytown, the nearest larger city.
FAQ: High Island home insurance
What natural hazards affect High Island homes most?
Overall, FEMA scores Galveston County as relatively high. The top-rated hazards are lightning (very high), cold waves (very high) and tornadoes (relatively high). Those are the perils to ask about when you compare deductibles and endorsements.
Does TWIA cover homes in High Island?
Yes. Galveston County is one of the 14 first-tier coastal counties in TWIA’s designated catastrophe area, so eligible homes can buy windstorm and hail coverage from TWIA when private carriers exclude it.
Can I get competitive quotes in High Island from carriers outside the area?
Yes. Pricing depends on your address and home, not the agent’s office. Whether you are in High Island or Baytown, about 36 miles away, an independent agency can shop multiple carriers remotely.
Has High Island been part of a FEMA disaster declaration?
Galveston County has been included in 11 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.
Request a High Island homeowners quote
Talk to a licensed Texas Insurance Resources agent at 800-875-4711, or get a quote online.
Sources for this High Island page
High Island is unincorporated and not a separate Census place, so Census figures on this page are for ZIP code area 77623, which may extend beyond the community. Data reflects the most recent releases available in October 2026; survey figures carry margins of error. Price estimates near the top are Texas Insurance Resources models for comparison, not quotes or published averages.
- OpenFEMA flood insurance data, Galveston County
- Comptroller CAD listing, Galveston County
- Comptroller 2024 regions
- NOAA Storm Events Database, Galveston County
- TWIA coverage area
- FEMA disaster declarations, Galveston County
- National Risk Index (FEMA), Galveston County
- Census CBSA delineation
- Census Gazetteer files
- Benchmarks: Galveston County value, Galveston County build year, Texas value
- Census ACS 2020–2024, ZCTA 77623: median year built, year built, structure type, tenure, population, home value
- NWS Houston/Galveston, TX