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Home Insurance in Sweeny, TX
How Sweeny homes and hazards compare with Brazoria County and Texas as a whole, and what the differences mean for your policy.
$6,685/yr
About $557/mo · ~$300k-$400k dwelling class
$3,958/yr
About $330/mo after modeled shopping discount
About 40.8% below local market estimate
Sweeny, Brazoria County and Texas side by side
| Measure | Sweeny | Brazoria County | Texas |
|---|---|---|---|
| Median home value | $199,100 | $301,600 | $283,800 |
| Median year built | 1972 | 1996 | 1992 |
| Owner-occupied homes | 74% | 74% | 63% |
| Single-family detached | 77% | 73% | 64% |
| Built before 1980 | 76% | 29% | 33% |
| Built 2000 or later | 12% | 45% | 39% |
| Manufactured homes | less than 1% | 9% | 6% |
The housing stock in Sweeny is older than Brazoria County’s overall, by median build year (1972 versus 1996). Manufactured homes are less common in Sweeny (less than 1% of units) than across Brazoria County (9%).
Median home value: $199,100, according to the latest five-year Census survey. That is below the Brazoria County median of $301,600. Sale prices and rebuild costs can diverge in either direction, which is why carriers run their own replacement-cost estimate for the dwelling limit.
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 | – |
Taking all natural hazards together, FEMA rates Brazoria County relatively moderate. Hazard by hazard, the strongest scores are for tornadoes (relatively high), hurricanes (relatively high) and inland flooding (relatively high).
Natural hazards have put Brazoria County in 13 federal major disaster declarations since 2000. Recent ones: Hurricane Beryl (2024), Severe Winter Storms (2021) and Hurricane Harvey (2017).
Coverage takeaways for Sweeny
- Brazoria County is a first-tier coastal county, so Sweeny falls within TWIA’s designated catastrophe area. Many local policies split wind and hail off to TWIA while the homeowners policy covers everything else.
- Sweeny participates in the National Flood Insurance Program, so NFIP policies are available to residents. Its current effective flood map dates to December 2020. NFIP data counts 27,418 residential flood policies in Brazoria County, about 1 for every 4 homes. Policyholders in the county have filed 6,507 NFIP claims since 2016. Flood needs its own policy, and buying one right before a storm will not help because of the usual 30-day wait.
- Line up every home in Sweeny by age and the one in the middle was built in 1972. Homes built before 1980 make up about 76% of the total; those built since 2000 account for 12%. For older houses, rebuilding to current code can cost more than the original structure, which is why ordinance or law coverage is worth pricing.
Contacts for Sweeny homeowners
Your property record, including square footage and year built, is on the Brazoria appraisal district site at www.brazoriacad.org (phone 979-849-7792). You can also visit the office at 500 N. Chenango St. Angleton, TX 77515-4650. The NWS Houston/Galveston, TX office handles forecasts and storm warnings for Sweeny. Its assigned radar site for Sweeny is KHGX.
For county-level data, Sweeny falls under Brazoria County. Brazoria County forms part of the urban core of the Houston-Pasadena-The Woodlands metro. The nearest bigger city is Pearland, about 42 miles from Sweeny as the crow flies.
FAQ: Sweeny home insurance
What does FEMA’s risk index say about Brazoria County?
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.
How many major disasters has Brazoria County seen?
Since 2000, FEMA has declared 13 natural-hazard major disasters that include Brazoria County. The most recent was Hurricane Beryl, declared in July 2024. Disaster aid rarely covers a full rebuild, which is why adequate limits matter.
What does the Sweeny savings estimate on this page mean?
Our illustrative TX Insurance Resources estimate for Sweeny reflects a modeled 40.8% improvement versus the local market anchor. It is an estimate for comparison only; real results vary by home, coverage and carrier.
Does TWIA cover homes in Sweeny?
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.
Get a Sweeny home insurance quote
One call to 800-875-4711 or a short online form gets several carriers working on your quote.
Data sources and notes
Public data current as of October 2026; Census figures are survey estimates. The two price cards are modeled estimates from Texas Insurance Resources, not quotes.
- Comptroller county directory, Brazoria County
- Texas Windstorm Insurance Association
- County and state comparisons: Brazoria County value, Brazoria County build year, Texas value
- Comptroller economic regions
- FEMA NRI county ratings, Brazoria County
- OpenFEMA NFIP data, Brazoria County
- Census metro delineation
- Census Gazetteer files
- FEMA declared disasters, Brazoria County
- NWS Houston/Galveston, TX
- FEMA Community Status Book
- Storm Events Database (NOAA), Brazoria County
- Census Bureau ACS five-year data, Sweeny city: home value, median year built, year built, structure type, population, tenure