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Home Insurance in Texas City, TX
FEMA rates lightning and cold waves as the leading natural hazards for Galveston County. Here is the storm, flood and wind record that shapes home insurance in Texas City.
$6,624/yr
About $552/mo · ~$300k-$400k dwelling class
$4,034/yr
About $336/mo after modeled shopping discount
About 39.1% below local market estimate
Texas City hazard snapshot
The National Risk Index from FEMA scores Galveston County as relatively high for combined natural-hazard risk. Hazard by hazard, the strongest scores are for lightning (very high), cold waves (very high) and tornadoes (relatively high).
Lightning is rated very high in Galveston County. Fire from a strike is a covered peril; ask how your policy treats power-surge damage to appliances and electronics.
Cold waves are rated very high in Galveston County; frozen pipes are the main home insurance concern.
Tornadoes rate relatively high in Galveston County, so an up-to-date home inventory and enough debris-removal coverage are worth confirming.
Hurricane risk is relatively high in Galveston County. Named-storm deductibles and the split between wind and flood coverage matter most.
Recent severe weather in Galveston County
From 2016 to 2025, 18 hail events were recorded in Galveston County in NOAA’s Storm Events Database. Stones of one inch or more showed up in 13 of the reports. The top report was 2.75-inch hail on May 31, 2024. Between 2016 and 2025, 11 tornadoes touched down in Galveston County; the most intense was an EF1 on January 6, 2021.
Severe thunderstorm winds were reported 48 times, the strongest near 83 mph. Flash flooding was logged 43 times over the same decade.
FEMA has issued 11 natural-hazard major disaster declarations covering Galveston County since 2000. The latest declarations were Hurricane Beryl (2024), Severe Winter Storms (2021) and Hurricane Laura (2020).
Wind and hail coverage in Texas City
TWIA, the state’s windstorm insurer of last resort, covers all 14 first-tier coastal counties, including Galveston County. That means the part of Texas City in Galveston County can get wind and hail coverage there if private carriers exclude it.
Flood risk and coverage for Texas City
Because Texas City is an NFIP participating community, homeowners can buy National Flood Insurance Program coverage. The effective FEMA flood map for the community is from August 2019. Only about 1 in 2 homes in Galveston County carries an NFIP policy (52,889 residential policies). Since 2016, 10,476 NFIP flood claims have come from Galveston County. Remember that flood is excluded from homeowners policies and NFIP coverage usually starts 30 days after purchase.
You can check your flood zone by address at the FEMA Flood Map Service Center.
The homes behind the risk
Census estimates put the median construction year for homes in Texas City at 1984. Pre-1980 houses are about 44% of the stock, and post-2000 houses about 34%. Median home value: $217,300, according to the latest five-year Census survey. The county-wide figure is higher, at $314,600. Keep in mind that Coverage A should follow rebuilding cost, not sale price, since the lot itself does not burn or blow away.
Local offices for Texas City homeowners
Texas City crosses into Chambers County, but Galveston County contains most of it, so that is the county used for the data below. Galveston County counts as an outlying county of the Houston-Pasadena-The Woodlands metro area. Head about 14 miles from Texas City and you reach League City, the nearest larger city.
Your property record, including square footage and year built, is on the Galveston appraisal district site at www.galvestoncad.org (phone 409-935-1980). The district office address is 9850 Emmett F. Lowry Expwy, Suite A Texas City, TX 77591. Watches and warnings for Texas City are issued by NWS Houston/Galveston, TX. Radar coverage comes from the KHGX site.
Texas City hazard and coverage questions
How common are hailstorms in Galveston County?
Galveston County had 18 hail reports in NOAA’s records for 2016 to 2025, 13 of them with stones an inch or larger. FEMA’s National Risk Index rates the county’s hail risk relatively low. Keep photos of your roof’s condition so a future claim is easier to document.
Is homeowners coverage mandatory for Texas City homeowners?
Only your lender can require it; Texas itself does not. If the home is paid off, the choice is yours, but one serious storm or fire can cost far more than years of premiums.
Can I get TWIA windstorm coverage in Texas City?
Yes. Galveston 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.
How does flood coverage work for a Texas City home?
Flood is not part of a homeowners policy; it is bought separately through the NFIP or a private insurer. Texas City participates in the National Flood Insurance Program, and its current flood map took effect in August 2019. Only about 1 in 2 Galveston County homes carries NFIP coverage. Most NFIP policies begin after a 30-day wait, so do not wait for a storm forecast.
Compare Texas City home insurance quotes
Talk to a licensed Texas Insurance Resources agent at 800-875-4711, or get a quote online.
About the data
Public data current as of October 2026; Census figures are survey estimates. Price estimates near the top are Texas Insurance Resources models for comparison, not quotes or published averages.
- Comptroller economic regions
- Disaster declarations (FEMA), Galveston County
- TWIA coverage area
- OMB metro and micro areas
- Census Gazetteer files
- Benchmarks: Galveston County value, Galveston County build year
- Comptroller CAD listing, Galveston County
- NWS Houston/Galveston, TX
- NFIP Community Status Book
- Census Bureau ACS five-year data, Texas City city: year built, population, structure type, tenure, median year built, home value
- NFIP data (OpenFEMA), Galveston County
- NOAA NCEI storm reports, Galveston County
- National Risk Index (FEMA), Galveston County