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Home Insurance in Pecan Grove, TX
Pecan Grove homeowners insure against tornadoes and lightning first, according to FEMA’s county ratings. This page lays out the local hazard data and what it means for coverage.
$5,859/yr
About $488/mo · ~$300k-$400k dwelling class
$3,369/yr
About $281/mo after modeled shopping discount
About 42.5% below local market estimate
Natural hazard profile for Pecan Grove
In FEMA’s National Risk Index, Fort Bend County carries an overall rating of relatively high. The highest-rated individual hazards are tornadoes (very high), lightning (very high) and hurricanes (relatively high).
With tornadoes rated very high, check that loss-of-use coverage would carry you through a long rebuild.
Lightning is rated very high in Fort Bend County. Fire from a strike is a covered peril; ask how your policy treats power-surge damage to appliances and electronics.
Hurricanes are rated relatively high; hurricane wind falls under wind coverage, while storm surge is flood and needs its own policy.
FEMA rates inland flood risk relatively high; flood coverage is separate and worth pricing even outside a mapped high-risk zone.
The Fort Bend County storm record, 2016 to 2025
Over the ten years from 2016 to 2025, NOAA recorded 24 hail events across Fort Bend County. Stones of one inch or more showed up in 23 of the reports. The biggest stones, 2.75 inches across, fell on March 16, 2024. NOAA lists 11 tornadoes in Fort Bend County between 2016 and 2025; the most intense was an EF2 on February 14, 2017.
Straight-line thunderstorm winds generated 34 reports, peaking around 77 mph. Add 23 flash flood events over those ten years.
Fort Bend County appears in 11 presidential major disaster declarations for weather and other natural hazards from 2000 onward. The latest declarations were Hurricane Beryl (2024), Severe Winter Storms (2021) and Hurricane Harvey (2017).
Wind and hail coverage in Pecan Grove
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.
Flood exposure and the NFIP in Pecan Grove
Flood insurance for unincorporated areas is handled through Fort Bend County, which participates in the National Flood Insurance Program. Across Fort Bend County, 39,537 residential NFIP policies were in force, roughly 1 for every 6 homes. Policyholders in the county have filed 5,166 NFIP claims since 2016. A homeowners policy will not pay for rising water; flood is a separate policy, and NFIP coverage typically takes 30 days to begin.
Search the FEMA Flood Map Service Center by street address to find your zone.
Pecan Grove housing in brief
Line up every home in Pecan Grove by age and the one in the middle was built in 1997. Homes built before 1980 make up about 3% of the total; those built since 2000 account for 44%. The typical owner-occupied home in Pecan Grove is valued at about $383,500. That is close to the Fort Bend County median of $374,500. Keep in mind that Coverage A should follow rebuilding cost, not sale price, since the lot itself does not burn or blow away.
Where Pecan Grove homeowners can check the details
For county-level data, Pecan Grove falls under Fort Bend County. In the federal metro delineation, Fort Bend County anchors the Houston-Pasadena-The Woodlands metro. Pecan Grove lies west of Sugar Land, around 6 miles away in a straight line.
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. You can also visit the office at 2801 B.F. Terry Blvd. Rosenberg, TX 77471-5600. Watches and warnings for Pecan Grove are issued by NWS Houston/Galveston, TX. Radar coverage comes from the KHGX site.
Questions about weather risk in Pecan Grove
Are tornadoes covered on a Pecan Grove home policy?
Yes. Tornadoes fall under the windstorm peril, so the wind and hail deductible applies. Fort Bend County had 11 tornadoes in NOAA’s 2016 to 2025 records, which is a good reason to check your dwelling, other-structures and debris-removal limits.
Is homeowners coverage mandatory for Pecan Grove homeowners?
Texas does not mandate homeowners insurance, yet nearly every mortgage requires it. Owners without a loan still carry the full cost of a fire, hail or theft loss if uninsured.
Is a percentage deductible a good idea in Pecan Grove?
A percentage deductible is calculated on your dwelling limit; for example, 2% of a $300,000 dwelling limit is $6,000 out of pocket per wind or hail claim. A flat-dollar deductible usually costs more in premium but is easier to budget. With 23 reports of inch-plus hail in Fort Bend County from 2016 through 2025, it is worth pricing both options.
How does flood coverage work for a Pecan Grove home?
Homeowners policies exclude flood, so it takes a separate NFIP or private flood policy. In Fort Bend County, about 1 in 6 homes has an NFIP policy. New NFIP policies usually take 30 days to start.
Ready to price your Pecan Grove home?
Compare carriers with Texas Insurance Resources. Call 800-875-4711 or request a quote online.
Sources for this Pecan Grove page
Figures were retrieved in October 2026 and are estimates with margins of error. Premium figures in the estimate cards are illustrative models, not quotes.
- Comptroller CAD listing, Fort Bend County
- NOAA Storm Events Database, Fort Bend County
- Census Bureau ACS five-year data, Pecan Grove CDP: structure type, population, home value, year built, tenure, median year built
- Disaster declarations (FEMA), Fort Bend County
- OpenFEMA flood insurance data, Fort Bend County
- TWIA coverage area
- Comparison figures: Fort Bend County value, Fort Bend County build year
- Comptroller economic regions
- FEMA National Risk Index, Fort Bend County
- NWS Houston/Galveston, TX
- OMB metro and micro areas
- Census Gazetteer files