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Home Insurance in Piney Point Village, TX
A practical plan for buying home insurance in Piney Point Village: the records to pull, the limits to set and the local risks to price in.
How to shop for home insurance in Piney Point Village
- Start with the appraisal record. Square footage and build year on file with the Harris appraisal district (www.hcad.org) feed straight into replacement-cost estimates, so check them for errors. The district office address is 13013 Northwest Frwy. Houston, TX 77040-6305.
- Size Coverage A correctly. The Census estimate for Piney Point Village is too uncertain to quote, but the Harris County median home value is $276,600. Keep in mind that Coverage A should follow rebuilding cost, not sale price, since the lot itself does not burn or blow away.
- Match the deductible to the storm record. Hail turned up 143 times in Harris County in NOAA’s database between 2016 and 2025. In 119 cases the hail was an inch across or bigger. The largest reported hail was 2.5 inches on January 8, 2016. Ask each carrier for quotes at two deductible levels so the trade-off is visible.
- Check the wind arrangement. Wind coverage in Harris County stays inside the homeowners policy because the county is outside TWIA’s coastal territory; compare the wind/hail deductible on every quote.
- Do not skip the flood question. Because Piney Point Village is an NFIP participating community, homeowners can buy National Flood Insurance Program coverage. Its current effective flood map dates to June 2007. Only about 1 in 6 homes in Harris County carries an NFIP policy (206,279 residential policies). Since 2016, 66,161 NFIP flood claims have come from Harris County. A homeowners policy will not pay for rising water; flood is a separate policy, and NFIP coverage typically takes 30 days to begin. Look up your address on the FEMA Flood Map Service Center to see your flood zone.
- Line up quotes side by side. Compare roof settlement terms, deductibles and limits, not just premium. Texas Insurance Resources can shop multiple carriers for your Piney Point Village home.
$5,814/yr
About $484/mo · ~$300k-$400k dwelling class
$3,645/yr
About $304/mo after modeled shopping discount
About 37.3% below local market estimate
Local figures for your Piney Point Village quote
FEMA’s county-level National Risk Index puts Harris County in the very high band overall. The individual hazards that stand out are tornadoes (very high), hurricanes (very high) and inland flooding (very high).
Getting to know Piney Point Village
The county for Piney Point Village is Harris County. Harris County forms part of the urban core of the Houston-Pasadena-The Woodlands metro. Houston is the closest larger city, roughly 8 miles away, with Piney Point Village to its west.
Detached houses represent about 100% of the housing in Piney Point Village, where 99% of households own their home. Census estimates put the median construction year for homes in Piney Point Village at 1986. 28% of local homes are from 2000 or later, compared with 41% built before 1980.
The NWS Houston/Galveston, TX office handles forecasts and storm warnings for Piney Point Village. The radar the weather service assigns to this point is KHGX.
Piney Point Village quote questions
When is the best time to compare home insurance in Piney Point Village?
Compare quotes a few weeks before renewal, and any time you replace the roof or add a structure.
Does homeowners insurance cover tornado damage in Piney Point Village?
Yes, tornado damage is covered as windstorm, subject to your wind and hail deductible. NOAA records show 33 tornadoes in Harris County from 2016 through 2025, so confirm your dwelling and loss-of-use limits would cover a full rebuild.
Do I need a local agent for a Piney Point Village home?
No. Piney Point Village is about 8 miles west 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.
What wind and hail deductible should I choose in Piney Point Village?
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. Harris County logged 119 reports of hail an inch or larger from 2016 through 2025, so run the numbers both ways.
Request a Piney Point Village homeowners quote
Talk to a licensed Texas Insurance Resources agent at 800-875-4711, or get a quote online.
Data sources and notes
Figures were retrieved in October 2026 and are estimates with margins of error. Premium figures in the estimate cards are illustrative models, not quotes.
- NFIP data (OpenFEMA), Harris County
- Texas Comptroller regions
- FEMA National Risk Index, Harris County
- Census ACS 2020–2024, Piney Point Village city: median year built, home value, year built, structure type, population, tenure
- Disaster declarations (FEMA), Harris County
- NOAA NCEI storm reports, Harris County
- Texas Windstorm Insurance Association
- NFIP Community Status Book
- NWS Houston/Galveston, TX
- Comparison figures: Harris County value, Harris County build year
- Texas property tax directory, Harris County
- OMB metro and micro areas
- Gazetteer (Census)