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Home Insurance in Richwood, TX
Side-by-side numbers for Richwood, Brazoria County and the state, covering housing, hazards and flood insurance.
$6,568/yr
About $547/mo · ~$300k-$400k dwelling class
$3,717/yr
About $310/mo after modeled shopping discount
About 43.4% below local market estimate
Richwood compared with Brazoria County and Texas
| Measure | Richwood | Brazoria County | Texas |
|---|---|---|---|
| Median home value | $249,600 | $301,600 | $283,800 |
| Median year built | 1984 | 1996 | 1992 |
| Owner-occupied homes | 54% | 74% | 63% |
| Single-family detached | 63% | 73% | 64% |
| Built before 1980 | 42% | 29% | 33% |
| Built 2000 or later | 33% | 45% | 39% |
| Manufactured homes | less than 1% | 9% | 6% |
The housing stock in Richwood is older than Brazoria County’s overall, by median build year (1984 versus 1996). Owner-occupancy is lower than the county figure (54% versus 74%). Manufactured homes are less common in Richwood (less than 1% of units) than across Brazoria County (9%).
Owners in Richwood put the median value of their homes at $249,600. Brazoria County overall comes in higher, at $301,600. 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.
Weather risk in Brazoria County, rated
| 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 | – |
The National Risk Index from FEMA scores Brazoria County as relatively moderate for combined natural-hazard risk. The highest-rated individual hazards are tornadoes (relatively high), hurricanes (relatively high) and inland flooding (relatively high).
Brazoria County appears in 13 presidential major disaster declarations for weather and other natural hazards from 2000 onward. Among the most recent are Hurricane Beryl (2024), Severe Winter Storms (2021) and Hurricane Harvey (2017).
Turning the Richwood numbers into coverage choices
- TWIA, the state’s windstorm insurer of last resort, covers all 14 first-tier coastal counties, including Brazoria County. That means Richwood can get wind and hail coverage there if private carriers exclude it.
- NFIP flood policies are available in Richwood, a participating community. The effective FEMA flood map for the community is from December 2020. Across Brazoria County, 27,418 residential NFIP policies were in force, roughly 1 for every 4 homes. Brazoria County has produced 6,507 NFIP claims from 2016 on. Remember that flood is excluded from homeowners policies and NFIP coverage usually starts 30 days after purchase.
- Census estimates put the median construction year for homes in Richwood at 1984. About 42% of homes went up before 1980, while 33% were built in 2000 or later. Some homes from the late 1970s through the mid-1990s used polybutylene supply lines, a material some insurers ask about during underwriting.
Where to verify Richwood details
Insurers often check the appraisal district record, so confirm that what the Brazoria district shows at www.brazoriacad.org matches your home. Its office is at 500 N. Chenango St. Angleton, TX 77515-4650. Severe weather warnings for Richwood come from the NWS Houston/Galveston, TX office. The associated NEXRAD radar is KHGX.
Richwood is in Brazoria County. In the federal metro delineation, Brazoria County anchors the Houston-Pasadena-The Woodlands metro. By straight-line distance, Richwood is about 28 miles west of Galveston.
Richwood coverage questions
What natural hazards affect Richwood homes most?
FEMA’s National Risk Index rates overall risk in Brazoria County as relatively moderate. The highest individual ratings are for tornadoes (relatively high), hurricanes (relatively high) and inland flooding (relatively high). Use that list to decide where higher limits or a lower deductible are worth the premium.
Can I get competitive quotes in Richwood from carriers outside the area?
Yes. Pricing depends on your address and home, not the agent’s office. Whether you are in Richwood or Galveston, about 28 miles away, an independent agency can shop multiple carriers remotely.
How often has Brazoria County had federal disaster declarations?
Since 2000, FEMA has declared 13 natural-hazard major disasters that include Brazoria County. The most recent was Hurricane Beryl, declared in July 2024. FEMA assistance is capped and is not a substitute for insurance.
Can I get TWIA windstorm coverage in Richwood?
Yes. Brazoria County is one of the 14 first-tier coastal counties in TWIA’s designated catastrophe area, so eligible homes can buy windstorm and hail coverage from TWIA when private carriers exclude it.
Ready to price your Richwood home?
Texas Insurance Resources shops multiple carriers for you. Call 800-875-4711 or start online.
Sources for this Richwood page
Data reflects the most recent releases available in October 2026; survey figures carry margins of error. Premium figures in the estimate cards are illustrative models, not quotes.
- NOAA Storm Events Database, Brazoria County
- OMB metro and micro areas
- Gazetteer (Census)
- Comparison figures: Brazoria County value, Brazoria County build year, Texas value
- Texas property tax directory, Brazoria County
- Census ACS 2020–2024, Richwood city: year built, median year built, home value, structure type, tenure, population
- Texas Comptroller regions
- TWIA coverage area
- NWS Houston/Galveston, TX
- FEMA National Risk Index, Brazoria County
- OpenFEMA flood insurance data, Brazoria County
- Community Status Book (NFIP)
- FEMA disaster declarations, Brazoria County