Homeowners quotes from 25+ companies, side by side, for Kemah, TX, from Freedom Insurance Group.
About Kemah, TX
Kemah has around 1,986 residents, located in Galveston County.
Kemah is not known for big-city tourism headlines, and for insurance the focus is local construction, fire protection access, and regional storm patterns.
Homes are mostly single-family houses typical of the Galveston County area; rebuild cost, roof age, and construction still drive most premium differences block by block.
Insurers in North Texas usually account for severe thunderstorms, hail, and tornado risk typical of the Plains.
Homeowners pricing in Kemah, TX
The typical homeowners insurance premium in Kemah, TX is about $2,092 annually for a typical local home (typical local home value about $281,100). For a $300,000 dwelling, expect around $2,201 per year; for a $600,000 home about $3,097; and for a $1,000,000 dwelling about $4,030. Freedom Insurance Group rates are often about 38% lower — near $1,297 per year for a typical home, roughly $1,365 for a $300,000 home, about $1,920 for a $600,000 home, and around $2,499 for a $1,000,000 home.
| Dwelling Coverage Limits | Average Annual Premium (incl. Windstorm & Hail Coverage) |
|---|---|
| $100,000 – $200,000 | $1,711 |
| $200,000 – $300,000 | $1,913 |
| $300,000 – $400,000 | $2,348 |
| $400,000 – $500,000 | $2,658 |
| $500,000 – $600,000 | $2,959 |
| $600,000 – $700,000 | $3,195 |
| $700,000 – $800,000 | $3,390 |
| $800,000 – $900,000 | $3,646 |
| $900,000 – $1,000,000 | $3,901 |
Band premiums are midpoints on the Kemah dwelling curve (typical local home value about $281,100). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Kemah, TX, using a typical local home value of about $281,100. Freedom figures apply an approximate 38% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
What a standard home policy includes
- Coverage A, dwelling: When a covered loss hits, this limit pays to rebuild your home’s structure; keep it in line with current local reconstruction costs.
- Coverage B, other structures: A detached garage, a shed, a fence, or similar buildings separate from the main house are protected by this part.
- Coverage C, personal property: Covers the contents of the home: furniture, clothing, and everyday items. Higher-value categories can be subject to special limits.
- Loss of use (D): It can help pay additional living expenses when a covered claim makes the home unlivable for a while during repairs.
- Coverage E, personal liability: It pays when you are legally on the hook for injuries to others or damage to their property from a covered incident.
- Coverage F, medical payments: When a guest gets hurt on your property, this covers medical costs, usually without a liability claim being filed.
Savings opportunities for Kemah, TX homeowners
| Discount | What it means | Typical amount |
|---|---|---|
| New Home | New construction recently purchased | up to 40% |
| Age of home (5 yrs) | Newer homes | up to 26% |
| Bundle | Home and auto together | up to 25% |
| Upgrades | Electrical, plumbing, heating, roof updates | up to 20% |
| Hail-resistant roof | Class 1–4 impact roof | up to 12% |
| Claims-free | Multi-year claims-free history | up to 5% |
| Security / alarms | Monitored fire or burglar alarm | up to 4% |
| Paid in full | Pay annual premium upfront | up to 7% |
Every insurer sets its own discounts and amounts. “Up to” is the high end, not a guaranteed amount.
How Kemah home insurance premiums differ
Underwriters build a Kemah policy quote from several interlocking factors reviewed together. Rebuild cost, roof age and material, and local storm or wildfire exposure have the biggest effect, while deductible choice and claims history can shift the final premium as much as the carrier brand itself.
Rebuilding your house with similar materials at today’s labor and supply prices is what replacement cost measures. What the insurer might pay tracks the rebuild estimate, which is why larger Kemah rebuild numbers generally mean higher premiums.
Construction type and roof details also matter: frame versus masonry walls, roofing material, and overall build quality all affect how a property fares in wind, hail, and fire scenarios common across Texas.
Two Kemah homes with close rebuild estimates might not cost the same thanks to location risk: scores for storms, hail, wildfire, and crime that shift by ZIP code and neighborhood.
Fire protection considers hydrant and fire-station distance along with the local protection class, and better protection ratings often support lower premiums.
Claims history is still a major rating input: recent claims on the property or household frequently raise rates for Kemah renewals and new business quotes as well.
Credit-based insurance score is a lever too where it is permitted: carriers that use it usually charge less to applicants with better scores.
Bundling home and auto in Kemah, TX
Illustrated average bundle savings, not guaranteed. Actual savings depend on the carriers and drivers involved.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Kemah, Texas | $258 | $436 | $636 |
Local housing and storm data: Kemah
NOAA’s Storm Events Database lists 6 hail reports within about 5 miles of Kemah from 2016 through 2025, 4 of them one inch or larger. The biggest was 1.75 inches in May 2024 around League City.
Census survey estimates (ACS 2020–2024) show about 1,019 housing units in Kemah, and homeowners occupy close to 54% of the occupied homes. By structure type, 62% are detached single-family houses and 30% are in buildings with two or more units.
Tornadoes are part of the picture too: NOAA recorded 7 tornadoes touching down within 10 miles of Kemah in 2016–2025, the strongest rated EF1 during December 2024.
Named communities and subdivisions in USGS place-name records near Kemah include Kemah Park, Foster Place, Seagate, Bay Breeze, Lazy Bend, and Bayview. Rates can still differ from one section to the next because of roof age, construction, and fire-station distance.
Half of Kemah’s homes were built in or before 1997. Roughly 31% of homes were built in 2010 or later, so age-of-home discounts can matter here.
Since 2000, Galveston County has been part of 12 major disaster declarations; the latest was Hurricane Beryl (July 2024).
Home heating in Kemah runs mainly on electricity (55%) and utility gas (43%).
The National Risk Index from FEMA shows elevated ratings for tornado (“Relatively High”), strong-wind (“Relatively Moderate”), and hurricane (“Relatively High”) in Galveston County.
Census counts put Kemah at 2,330 residents in 2000 and 1,773 in 2010, and the Census Bureau’s July 2024 estimate is 2,853. That is growth of roughly 22% since 2000.
Earlier hail records help too: SPC data show 21 hail reports within 5 miles of Kemah between 1955 and 2015, topped by hail of 3 inches on May 29, 1975. 2 of those reports were 2 inches or larger. The NOAA Storm Prediction Center database shows 44 tornadoes that began within 10 miles of Kemah from 1950 through 2015; the most powerful, rated F3, touched down on February 11, 1950. Along its full path, that storm was blamed for 1 death and 12 injuries.
Shopping around the area? See our home insurance pages for Clear Lake Shores (1 mi), El Lago (3 mi), and Taylor Lake Village (4 mi).
ZIP codes we insure in and around Kemah
77565 · 77586 · 77574 · 77518 · 77573
Neighborhoods in Kemah
- The Lakes at South Shore Harbor
- Sedonia
- The Park at Waterford Harbor
- Cypress Bay
- Casa Marina del Sol
