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Home Insurance in Spring, TX
Side-by-side numbers for Spring, Harris County and the state, covering housing, hazards and flood insurance.
$6,397/yr
About $533/mo · ~$300k-$400k dwelling class
$3,806/yr
About $317/mo after modeled shopping discount
About 40.5% below local market estimate
Spring compared with Harris County and Texas
| Measure | Spring | Harris County | Texas |
|---|---|---|---|
| Median home value | $231,500 | $276,600 | $283,800 |
| Median year built | 1993 | 1988 | 1992 |
| Owner-occupied homes | 74% | 55% | 63% |
| Single-family detached | 86% | 57% | 64% |
| Built before 1980 | 30% | 37% | 33% |
| Built 2000 or later | 46% | 36% | 39% |
| Manufactured homes | 1% | 3% | 6% |
Spring’s housing is younger than Harris County’s overall (1993 versus 1988 median year built). Owner-occupancy is higher than the county figure (74% versus 55%).
Homeowners in Spring report a median value of $231,500. Across Harris County the median is $276,600. Sale prices and rebuild costs can diverge in either direction, which is why carriers run their own replacement-cost estimate for the dwelling limit.
Weather risk in Harris County, rated
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Relatively Moderate | 143 hail reports |
| Tornadoes | Very High | 33 tornadoes |
| Strong wind | Very High | 176 thunderstorm wind reports |
| Inland flooding | Very High | 92 flash floods |
| Hurricanes | Very High | – |
| Coastal flooding | Relatively High | – |
| Wildfire | Relatively Low | – |
| Winter weather | Relatively High | – |
| Drought | Relatively Moderate | – |
| Lightning | Very High | – |
In FEMA’s National Risk Index, Harris County carries an overall rating of very high. Among individual perils, the top ratings go to tornadoes (very high), hurricanes (very high) and inland flooding (very high).
Natural hazards have put Harris County in 15 federal major disaster declarations since 2000. The latest declarations were Hurricane Beryl (2024), Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024) and Severe Winter Storms (2021).
What the comparison means for your policy
- TWIA does not write in Harris County; wind and hail claims go through your regular homeowners policy, which may carry its own wind/hail deductible.
- Homes outside city limits fall under Harris County’s NFIP participation, so federal flood policies are available. Only about 1 in 6 homes in Harris County carries an NFIP policy (206,279 residential policies). NFIP records show 66,161 flood claims in the county since 2016. Standard homeowners policies exclude flood, and a new NFIP policy generally has a 30-day waiting period.
- The median home in Spring was built in 1993. About 30% of homes went up before 1980, while 46% were built in 2000 or later. A middle-aged housing stock means roof age matters a lot: a roof past roughly 15 to 20 years can move a policy to actual cash value roof coverage with some carriers.
Where to verify Spring details
Insurers often check the appraisal district record, so confirm that what the Harris district shows at www.hcad.org matches your home. Its office is at 13013 Northwest Frwy. Houston, TX 77040-6305. Watches and warnings for Spring are issued by NWS Houston/Galveston, TX. The associated NEXRAD radar is KHGX.
For county-level data, Spring falls under Harris County. In the federal metro delineation, Harris County anchors the Houston-Pasadena-The Woodlands metro. Measured point to point, Spring sits roughly 19 miles north of Houston.
Questions Spring homeowners ask
What natural hazards affect Spring homes most?
Harris County is rated very high overall in FEMA’s National Risk Index. The highest individual ratings are for tornadoes (very high), hurricanes (very high) and inland flooding (very high). Use that list to decide where higher limits or a lower deductible are worth the premium.
Is the median home value in Spring the right dwelling limit?
Usually not. The median owner-estimated value in Spring is $231,500, 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.
Can I get TWIA windstorm coverage in Spring?
No, Harris County is not in TWIA territory. Look instead at the wind and hail deductible on your homeowners quotes, since that is where storm costs land.
How many major disasters has Harris County seen?
Since 2000, FEMA has declared 15 natural-hazard major disasters that include Harris County. The most recent was Hurricane Beryl, declared in July 2024. FEMA assistance is capped and is not a substitute for insurance.
Get a Spring home insurance quote
Texas Insurance Resources shops multiple carriers for you. Call 800-875-4711 or start online.
Where the Spring numbers come from
Data reflects the most recent releases available in October 2026; survey figures carry margins of error. The two price cards are modeled estimates from Texas Insurance Resources, not quotes.
- Census Bureau ACS five-year data, Spring CDP: year built, structure type, population, tenure, home value, median year built
- Census CBSA delineation
- Census Gazetteer coordinates
- TWIA coverage area
- OpenFEMA flood insurance data, Harris County
- Comparison figures: Harris County value, Harris County build year, Texas value
- NWS Houston/Galveston, TX
- Storm Events Database (NOAA), Harris County
- FEMA National Risk Index, Harris County
- Comptroller economic regions
- Comptroller CAD listing, Harris County
- Disaster declarations (FEMA), Harris County