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Home Insurance in Wallis, TX

What Wallis houses look like on paper, and how age, type and value feed into a homeowners quote.

Houston-Gulf CoastAustin CountyHousing profile

What Wallis housing looks like

48%Built before 1980
70%Owner-occupied
63%Single-family detached
865Housing units

Owners live in 70% of occupied homes, and detached single-family houses account for about 63% of the stock. Manufactured housing accounts for roughly 26% of units; tie-downs, age and skirting can all affect how those homes are insured.

How age and construction affect a Wallis quote

Homes built before 1980 make up about 48% of the total; those built since 2000 account for 31%. 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.

Typical local market estimate

$6,670/yr

About $556/mo · ~$300k-$400k dwelling class

$5,670/yrRough $300k dwelling scale (0.85x)
$9,004/yrRough $600k dwelling scale (1.35x)
TX Insurance Resources estimate

$3,889/yr

About $324/mo after modeled shopping discount

About 41.7% below local market estimate

$3,306/yrTXIR ~$300k scale
$5,250/yrTXIR ~$600k scale
Disclaimer: Estimates for comparison and education only. These figures are modeled estimates built from public data inputs and metro and regional benchmarks; they are not published averages or a binding quote. Actual quotes vary by dwelling value, age, roof, claims history, deductible, and carrier.

Market value versus rebuild cost in Wallis

For a small place like Wallis, the survey margin on home values is wide, so the county median of $296,900 is a steadier reference. Sale prices and rebuild costs can diverge in either direction, which is why carriers run their own replacement-cost estimate for the dwelling limit.

What each coverage does for Wallis owners

A: Dwelling

Covers the house. Lenders require it, and it is the base that percentage deductibles are calculated from.

B: Other structures

Detached garages, fences, sheds and workshops, often set at 10% of Coverage A by default.

C: Personal property

Furniture, clothing and electronics. Replacement-cost settlement pays more than actual cash value after a loss.

D: Loss of use

Extra living costs if a covered loss forces you out during repairs.

E: Personal liability

Covers lawsuits for injuries or property damage you are responsible for; many owners choose at least $300,000.

F: Medical payments to others

Small medical bills for guests injured at your home, regardless of fault.

Hazards Wallis homes are exposed to

FEMA’s National Risk Index rates overall natural-hazard risk in Austin County as relatively low. Among individual perils, the top ratings go to tornadoes (relatively moderate), strong wind (relatively moderate) and drought (relatively moderate). Over the ten years from 2016 to 2025, NOAA recorded 10 hail events across Austin County. In 7 cases the hail was an inch across or bigger. The biggest stones, 2.5 inches across, fell on March 15, 2024.

Austin County is outside TWIA’s designated catastrophe area, so wind and hail are normally covered by the homeowners policy itself, often with a separate percentage deductible. You can check your flood zone by address at the FEMA Flood Map Service Center.

Local resources for Wallis homeowners

The Austin County appraisal district (www.austincad.org) publishes the square footage, year built and improvements insurers use to estimate rebuild cost. The district office address is 906 E. Amelia St. Bellville, TX 77418-2843.

Wallis sits within Austin County. Austin County belongs to the Houston-Pasadena-The Woodlands metropolitan area as an outlying county. Measured point to point, Wallis sits roughly 26 miles west of Sugar Land.

FAQ: Wallis home insurance

How do I insure a manufactured home in Wallis?

With a policy written for manufactured homes, which make up about 26% of local housing. Age, anchoring and whether the home sits on land you own all affect eligibility and price.

Should I compare quotes every year in Wallis?

Check before each renewal. Carriers adjust rates and underwriting appetite over time, so last year’s best price may not hold.

What is a typical savings range when switching?

On this page we model a 41.7% gap between the local market estimate and our estimate for Wallis. It is not a quote, and actual savings can be higher, lower or zero.

Does Texas law require home insurance in Wallis?

No Texas law requires it, but mortgage lenders almost always do, and they can buy costly force-placed coverage if your policy lapses.

Ready to price your Wallis home?

Talk to a licensed Texas Insurance Resources agent at 800-875-4711, or get a quote online.

Call 800-875-4711
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Where the Wallis numbers come from

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.

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