Homeowner Insurance Costs in Galveston County, TX

How much does homeowner insurance cost in Galveston County? Here's what to expect.

Est. Annual Premium

$1,433

Monthly Cost

$119

Median Home Value

$260,600

% of Income

1.7%

Typical Coverage Breakdown

Coverage Amounts

Dwelling (Coverage A)$260,600
Personal Property (C)$130,300
Liability (E)$300,000
Deductible$2,606

Cost Context

Homeownership Rate67.8%
Median Income$83,913
Property Tax Rate1.5%
Population350,801

About Insurance in Galveston County

Homeowner insurance in Galveston County, Texas costs an estimated $1,433 per year for a median-value home of $260,600. This represents approximately 1.7% of the median household income of $83,913.

Actual premiums depend on your home's age, construction type, claims history, credit score, proximity to fire stations, and specific peril exposures. Use our calculator for a personalized total cost of risk analysis with peril-by-peril breakdown.

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Other Counties in Texas

County-level data from U.S. Census Bureau American Community Survey (ACS) 2022 5-Year Estimates. Additional sources: Insurance Information Institute, state insurance departments. Estimates are county-level approximations. This is not insurance advice.