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Home Insurance in Needville, TX
How Needville homes and hazards compare with Fort Bend County and Texas as a whole, and what the differences mean for your policy.
$6,144/yr
About $512/mo · ~$300k-$400k dwelling class
$3,951/yr
About $329/mo after modeled shopping discount
About 35.7% below local market estimate
Needville, Fort Bend County and Texas side by side
| Measure | Needville | Fort Bend County | Texas |
|---|---|---|---|
| Median home value | $221,700 | $374,500 | $283,800 |
| Median year built | – | 2005 | 1992 |
| Owner-occupied homes | 54% | 77% | 63% |
| Single-family detached | 87% | 83% | 64% |
| Built before 1980 | 55% | 12% | 33% |
| Built 2000 or later | 29% | 61% | 39% |
| Manufactured homes | 9% | 3% | 6% |
54% of occupied homes are owner-occupied in Needville, below the Fort Bend County share of 77%. Manufactured homes are more common in Needville (9% of units) than across Fort Bend County (3%).
Median home value: $221,700, according to the latest five-year Census survey. Fort Bend County overall comes in higher, at $374,500. 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.
Hazard ratings for Fort Bend County
| 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 | – |
Fort Bend County lands in the relatively high category of FEMA’s National Risk Index. Its leading hazards, by rating, are tornadoes (very high), lightning (very high) and hurricanes (relatively high).
Since 2000, Fort Bend County has been included in 11 federal major disaster declarations for natural hazards. The latest declarations were Hurricane Beryl (2024), Severe Winter Storms (2021) and Hurricane Harvey (2017).
Turning the Needville numbers into coverage choices
- Wind coverage in Fort Bend County stays inside the homeowners policy because the county is outside TWIA’s coastal territory; compare the wind/hail deductible on every quote.
- NFIP flood policies are available in Needville, a participating community. Its current effective flood map dates to January 2021. In Fort Bend County, roughly 1 home in 6 has federal flood coverage (39,537 residential policies in force). Policyholders in the county have filed 5,166 NFIP claims since 2016. Remember that flood is excluded from homeowners policies and NFIP coverage usually starts 30 days after purchase.
- 29% of local homes are from 2000 or later, compared with 55% built before 1980. With a stock this mature, insurers often want the roof age and the year the electrical panel and plumbing were last updated before they bind coverage.
Where to verify Needville details
Square footage and build year on file with the Fort Bend appraisal district (www.fbcad.org) feed straight into replacement-cost estimates, so check them for errors. Its office is at 2801 B.F. Terry Blvd. Rosenberg, TX 77471-5600. Needville is covered by the NWS Houston/Galveston, TX forecast office, which issues local watches and warnings. Its assigned radar site for Needville is KHGX.
Needville belongs to Fort Bend County. Federal statistical definitions place Fort Bend County at the core of the Houston-Pasadena-The Woodlands metro area. Head about 18 miles from Needville and you reach Sugar Land, the nearest larger city.
Needville coverage questions
What natural hazards affect Needville homes most?
FEMA’s National Risk Index rates overall risk in Fort Bend County as relatively high. The highest individual ratings are for tornadoes (very high), lightning (very high) and hurricanes (relatively high). Flood is the one that needs its own policy; the others are generally covered perils with deductibles.
Do I need a local agent for a Needville home?
No. Needville is about 18 miles southwest of Sugar Land, and carriers rate by address, not by where the agent sits. An independent agency can compare several carriers for your exact location by phone or online.
How much could I save by shopping my Needville policy?
On this page we model a 35.7% gap between the local market estimate and our estimate for Needville. It is not a quote, and actual savings can be higher, lower or zero.
Should I insure my Needville home for its market value?
Not necessarily. The Census median home value in Needville is $221,700, but Coverage A should match the cost to rebuild, which excludes land and can be higher or lower than market value. Ask for a replacement-cost estimate based on square footage and finishes.
Request a Needville homeowners quote
Texas Insurance Resources shops multiple carriers for you. Call 800-875-4711 or start online.
About the data
All public data on this page was pulled in October 2026. Census numbers are survey estimates. Price estimates near the top are Texas Insurance Resources models for comparison, not quotes or published averages.
- Texas Comptroller regions
- FEMA NRI county ratings, Fort Bend County
- OpenFEMA flood insurance data, Fort Bend County
- FEMA Community Status Book
- NWS Houston/Galveston, TX
- FEMA disaster declarations, Fort Bend County
- Texas Windstorm Insurance Association
- NOAA NCEI storm reports, Fort Bend County
- County and state comparisons: Fort Bend County value, Fort Bend County build year, Texas value
- OMB metro and micro areas
- Gazetteer (Census)
- Texas property tax directory, Fort Bend County
- American Community Survey 2020–2024, Needville city: median year built, tenure, year built, population, structure type, home value