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Home Insurance in Pearland, TX
How Pearland homes and hazards compare with Brazoria County and Texas as a whole, and what the differences mean for your policy.
$6,541/yr
About $545/mo · ~$300k-$400k dwelling class
$3,676/yr
About $306/mo after modeled shopping discount
About 43.8% below local market estimate
Pearland, Brazoria County and Texas side by side
| Measure | Pearland | Brazoria County | Texas |
|---|---|---|---|
| Median home value | $356,300 | $301,600 | $283,800 |
| Median year built | 2003 | 1996 | 1992 |
| Owner-occupied homes | 76% | 74% | 63% |
| Single-family detached | 79% | 73% | 64% |
| Built before 1980 | 11% | 29% | 33% |
| Built 2000 or later | 62% | 45% | 39% |
| Manufactured homes | 3% | 9% | 6% |
Homes in Pearland are newer than the county norm, with a median build year of 2003 against 1996 for Brazoria County. Manufactured homes are less common in Pearland (3% of units) than across Brazoria County (9%).
The median owner-estimated home value in Pearland is $356,300. The Brazoria County figure is lower, at $301,600. 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.
Brazoria County hazards and storm counts
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Relatively Low | 16 hail reports |
| Tornadoes | Relatively High | 14 tornadoes |
| Strong wind | Relatively Moderate | 48 thunderstorm wind reports |
| Inland flooding | Relatively High | 11 flash floods |
| Hurricanes | Relatively High | – |
| Coastal flooding | Relatively Moderate | – |
| Wildfire | Relatively Low | – |
| Winter weather | Very Low | – |
| Drought | Relatively Moderate | – |
| Lightning | Relatively High | – |
In FEMA’s National Risk Index, Brazoria County carries an overall rating of relatively moderate. Its leading hazards, by rating, are tornadoes (relatively high), hurricanes (relatively high) and inland flooding (relatively high).
FEMA has issued 13 natural-hazard major disaster declarations covering Brazoria County since 2000. The latest declarations were Hurricane Beryl (2024), Severe Winter Storms (2021) and Hurricane Harvey (2017).
Coverage takeaways for Pearland
- Because Brazoria County is among the 14 first-tier coastal counties, the part of Pearland in Brazoria County is eligible for windstorm and hail coverage from TWIA when the private market will not write it.
- Because Pearland is an NFIP participating community, homeowners can buy National Flood Insurance Program coverage. The flood insurance rate map in effect was issued in January 2021. Through FEMA’s Community Rating System it is rated Class 5, worth a 25% discount on NFIP policies in the special flood hazard area. In Brazoria County, roughly 1 home in 4 has federal flood coverage (27,418 residential policies in force). Since 2016, 6,507 NFIP flood claims have come from Brazoria County. Standard homeowners policies exclude flood, and a new NFIP policy generally has a 30-day waiting period.
- Half of the housing in Pearland dates from 2003 or earlier, per Census estimates. 62% of local homes are from 2000 or later, compared with 11% built before 1980. A young housing stock usually means modern code compliance, which can help with rates; HOA rules and builder warranties may still shape what you need.
Contacts for Pearland 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. You can also visit the office at 500 N. Chenango St. Angleton, TX 77515-4650. Watches and warnings for Pearland are issued by NWS Houston/Galveston, TX. Radar coverage comes from the KHGX site.
Pearland crosses into Fort Bend County and Harris County, but Brazoria County contains most of it, so that is the county used for the data below. Brazoria County is a central county of the Houston-Pasadena-The Woodlands metropolitan area. Pearland lies south of Houston, around 16 miles away in a straight line.
FAQ: Pearland home insurance
How risky is Brazoria County for natural hazards?
Overall, FEMA scores Brazoria County as relatively moderate. Its standout hazards are tornadoes (relatively high), hurricanes (relatively high) and inland flooding (relatively high). Those are the perils to ask about when you compare deductibles and endorsements.
Is the median home value in Pearland the right dwelling limit?
Usually not. The median owner-estimated value in Pearland is $356,300, 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.
Do I need a local agent for a Pearland home?
No. Pearland is about 16 miles south of Houston, 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 many major disasters has Brazoria County seen?
Brazoria County has been included in 13 natural-hazard major disaster declarations since 2000. The most recent was Hurricane Beryl, declared in July 2024. Disaster aid rarely covers a full rebuild, which is why adequate limits matter.
Compare Pearland home insurance quotes
Compare carriers with Texas Insurance Resources. Call 800-875-4711 or request a quote online.
About the data
Figures were retrieved in October 2026 and are estimates with margins of error. The two price cards are modeled estimates from Texas Insurance Resources, not quotes.
- OpenFEMA NFIP data, Brazoria County
- NWS Houston/Galveston, TX
- Comptroller economic regions
- Storm Events Database (NOAA), Brazoria County
- Census Bureau ACS five-year data, Pearland city: median year built, tenure, structure type, population, year built, home value
- Census metro delineation
- Census Gazetteer files
- FEMA Community Status Book
- Comptroller county directory, Brazoria County
- FEMA declared disasters, Brazoria County
- County and state comparisons: Brazoria County value, Brazoria County build year, Texas value
- FEMA NRI county ratings, Brazoria County
- Texas Windstorm Insurance Association