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Home Insurance in Highlands, TX
Half of the homes in Highlands were built in 1979 or earlier. Here is how the local housing stock shapes coverage and price.
What Highlands housing looks like
Owners live in 80% of occupied homes, and detached single-family houses account for about 70% of the stock. Manufactured housing accounts for roughly 23% of units; tie-downs, age and skirting can all affect how those homes are insured. About 19% of housing units were vacant when surveyed, a figure that includes seasonal and second homes; policies often limit coverage for homes left empty for long stretches.
How age and construction affect a Highlands quote
1979 is the median year built for housing units in Highlands. The split is roughly 51% pre-1980 construction versus 22% built from 2000 on. A middle-aged housing stock means roof age matters a lot: a roof past roughly 15 to 20 years can move a policy to actual cash value roof coverage with some carriers.
$6,179/yr
About $515/mo · ~$300k-$400k dwelling class
$3,503/yr
About $292/mo after modeled shopping discount
About 43.3% below local market estimate
Market value versus rebuild cost in Highlands
The median owner-estimated home value in Highlands is $214,400. Across Harris County the median is $276,600. Market value includes land and location, so it is not the same as the cost to rebuild; insure the dwelling to a replacement-cost estimate instead.
What each coverage does for Highlands owners
Pays to rebuild the house itself. Set it from a replacement-cost estimate, not the sale price or tax value.
Anything not attached to the house, such as fences, carports and barns.
Your belongings. A room-by-room photo inventory makes claims faster.
Extra living costs if a covered loss forces you out during repairs.
Covers lawsuits for injuries or property damage you are responsible for; many owners choose at least $300,000.
Guest medical coverage that can head off a liability claim.
Hazards Highlands homes are exposed to
FEMA’s county-level National Risk Index puts Harris County in the very high band overall. Its leading hazards, by rating, are tornadoes (very high), hurricanes (very high) and inland flooding (very high). From 2016 to 2025, 143 hail events were recorded in Harris County in NOAA’s Storm Events Database. Stones of one inch or more showed up in 119 of the reports. The biggest stones, 2.5 inches across, fell on January 8, 2016.
Harris County is outside TWIA’s designated catastrophe area, so wind and hail are normally covered by the homeowners policy itself, often with a separate percentage deductible. Search the FEMA Flood Map Service Center by street address to find your zone.
Local resources for Highlands homeowners
Your property record, including square footage and year built, is on the Harris appraisal district site at www.hcad.org (phone 713-957-7800). You can also visit the office at 13013 Northwest Frwy. Houston, TX 77040-6305.
The county for Highlands is Harris County. Federal statistical definitions place Harris County at the core of the Houston-Pasadena-The Woodlands metro area. The nearest bigger city is Baytown, about 6 miles from Highlands as the crow flies.
Highlands housing and coverage questions
Does the age of Highlands housing affect insurance?
The median home was built in 1979, and about 51% predate 1980, per Census estimates. At this age the roof is the main question, followed by the water heater and supply lines.
When is the best time to compare home insurance in Highlands?
At least once a year at renewal. A new roof, security system or claim-free history can each change which carrier is cheapest.
Is the median home value in Highlands the right dwelling limit?
Usually not. The median owner-estimated value in Highlands is $214,400, 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.
Where can I find my property details before getting a quote in Highlands?
Start at www.hcad.org, the Harris appraisal district site, for size, year built and improvement records. Add your roof replacement date and any updates to complete the picture.
Request a Highlands homeowners quote
One call to 800-875-4711 or a short online form gets several carriers working on your quote.
Sources and methodology
All public data on this page was pulled in October 2026. Census numbers are survey estimates. The two price cards are modeled estimates from Texas Insurance Resources, not quotes.
- FEMA National Risk Index, Harris County
- Census Bureau ACS five-year data, Highlands CDP: structure type, population, year built, home value, tenure, median year built
- Comptroller county directory, Harris County
- Comparison figures: Harris County value, Harris County build year
- NOAA NCEI storm reports, Harris County
- OMB metro and micro areas
- Census Gazetteer coordinates
- Comptroller 2024 regions
- Texas Windstorm Insurance Association