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Home Insurance in Webster, TX
See where Webster stands against county and statewide figures before you compare home insurance quotes.
$6,541/yr
About $545/mo · ~$300k-$400k dwelling class
$3,794/yr
About $316/mo after modeled shopping discount
About 42% below local market estimate
How Webster homes compare
| Measure | Webster | Harris County | Texas |
|---|---|---|---|
| Median home value | $281,400 | $276,600 | $283,800 |
| Median year built | 1991 | 1988 | 1992 |
| Owner-occupied homes | 22% | 55% | 63% |
| Single-family detached | 15% | 57% | 64% |
| Built before 1980 | 18% | 37% | 33% |
| Built 2000 or later | 31% | 36% | 39% |
| Manufactured homes | less than 1% | 3% | 6% |
Home ages in Webster are close to the Harris County pattern (median year built 1991 versus 1988). 22% of occupied homes are owner-occupied in Webster, below the Harris County share of 55%.
The typical owner-occupied home in Webster is valued at about $281,400. The Harris County median is similar, at $276,600. A home’s market value is a starting point only; the dwelling limit should reflect labor and materials to rebuild it at today’s prices.
Hazard ratings for Harris County
| 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 | – |
The National Risk Index from FEMA scores Harris County as very high for combined natural-hazard risk. Hazard by hazard, the strongest scores are for tornadoes (very high), hurricanes (very high) and inland flooding (very high).
Since 2000, Harris County has been included in 15 federal major disaster declarations for natural hazards. Among the most recent are Hurricane Beryl (2024), Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024) and Severe Winter Storms (2021).
Coverage takeaways for Webster
- Since Harris County is not a TWIA county, look at how your homeowners policy handles wind and hail, including whether that deductible is a flat amount or a percentage of the dwelling limit.
- Because Webster is an NFIP participating community, homeowners can buy National Flood Insurance Program coverage. Its flood map now in force took effect in January 2017. NFIP data counts 206,279 residential flood policies in Harris County, about 1 for every 6 homes. Policyholders in the county have filed 66,161 NFIP claims since 2016. Remember that flood is excluded from homeowners policies and NFIP coverage usually starts 30 days after purchase.
- Half of the housing in Webster dates from 1991 or earlier, per Census estimates. Roughly 18% of the housing stock predates 1980 and 31% is from 2000 onward. Houses from this era often have had partial updates, so documenting a newer roof, water heater or HVAC can help when quotes are compared.
Local offices and records
Square footage and build year on file with the Harris appraisal district (www.hcad.org) feed straight into replacement-cost estimates, so check them for errors. The district office address is 13013 Northwest Frwy. Houston, TX 77040-6305. Severe weather warnings for Webster come from the NWS Houston/Galveston, TX office. The radar the weather service assigns to this point is KHGX.
Harris County is home to Webster. The Houston-Pasadena-The Woodlands metro area counts Harris County among its central counties.
FAQ: Webster home insurance
Which weather risks matter for insuring a home in Webster?
Overall, FEMA scores Harris County as very high. The top-rated hazards are tornadoes (very high), hurricanes (very high) and inland flooding (very high). Flood is the one that needs its own policy; the others are generally covered perils with deductibles.
What is a typical savings range when switching?
Our illustrative TX Insurance Resources estimate for Webster reflects a modeled 42% improvement versus the local market anchor. It is an estimate for comparison only; real results vary by home, coverage and carrier.
How much dwelling coverage do Webster homes need?
Enough to rebuild, which is not the same as market value. Census data puts the Webster median at $281,400, but your dwelling limit should equal what it would cost to rebuild the house at today’s labor and material prices.
How often has Harris County had federal disaster declarations?
Harris County has been included in 15 natural-hazard major disaster declarations since 2000. The most recent was Hurricane Beryl, declared in July 2024. Federal aid for homeowners is limited and often comes as SBA disaster loans, so insurance remains the main way to recover.
Compare Webster home insurance quotes
Talk to a licensed Texas Insurance Resources agent at 800-875-4711, or get a quote online.
Data sources and notes
All public data on this page was pulled in October 2026. Census numbers are survey estimates. Premium figures in the estimate cards are illustrative models, not quotes.
- NOAA Storm Events Database, Harris County
- NFIP data (OpenFEMA), Harris County
- NWS Houston/Galveston, TX
- TWIA eligibility
- National Risk Index (FEMA), Harris County
- Benchmarks: Harris County value, Harris County build year, Texas value
- Census ACS 2020–2024, Webster city: tenure, year built, structure type, median year built, home value, population
- Texas Comptroller regions
- FEMA declared disasters, Harris County
- Comptroller county directory, Harris County
- Census metro delineation
- Community Status Book (NFIP)