Freedom Insurance Group helps Clear Lake Shores households compare homeowners coverage without wasted time. Call (800) 253-1482 or ask for a quote online.
Home insurance rates in Clear Lake Shores, TX
| Scenario | Market estimate | FIG illustrated (39% less) |
|---|---|---|
| Typical Clear Lake Shores home (~$463,400) | $2,004/yr | $1,222/yr |
| $300,000 dwelling | $1,633/yr | $996/yr |
| $600,000 dwelling | $2,298/yr | $1,402/yr |
| $1,000,000 dwelling | $2,990/yr | $1,824/yr |
The typical homeowners insurance premium in Clear Lake Shores, TX is about $2,004 annually for a typical local home (typical local home value about $463,400). For a $300,000 dwelling, expect around $1,633 per year; for a $600,000 home about $2,298; and for a $1,000,000 dwelling about $2,990. Freedom Insurance Group rates are often about 39% lower — near $1,222 per year for a typical home, roughly $996 for a $300,000 home, about $1,402 for a $600,000 home, and around $1,824 for a $1,000,000 home.
| Dwelling Coverage Limits | Average Annual Premium (incl. Windstorm & Hail Coverage) |
|---|---|
| $100,000 – $200,000 | $1,270 |
| $200,000 – $300,000 | $1,419 |
| $300,000 – $400,000 | $1,742 |
| $400,000 – $500,000 | $1,972 |
| $500,000 – $600,000 | $2,195 |
| $600,000 – $700,000 | $2,370 |
| $700,000 – $800,000 | $2,515 |
| $800,000 – $900,000 | $2,705 |
| $900,000 – $1,000,000 | $2,895 |
Band premiums are midpoints on the Clear Lake Shores dwelling curve (typical local home value about $463,400). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Clear Lake Shores, TX, using a typical local home value of about $463,400. Freedom figures apply an approximate 39% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
How Clear Lake Shores home insurance quotes differ
A Clear Lake Shores home insurance price comes from several connected factors that carriers check together. Rebuild cost, roof age and material, and local storm or wildfire exposure have the biggest effect, while deductible choice and claims history can swing the final premium as much as the carrier brand itself.
Replacement cost is the cost to rebuild the home with comparable materials at today’s labor and material prices. Larger rebuild estimates for Clear Lake Shores properties usually push up premiums since the carrier’s maximum payout rises with that figure.
Frame or masonry walls, the roof covering, and overall build quality all influence how a house performs in Texas’s wind, hail, and fire events, which is why construction type and roof details carry weight.
Location risk is why neighbors can pay different amounts: carriers score storm, hail, wildfire, and crime risk down to ZIP code and neighborhood in Clear Lake Shores.
Fire protection plays in as well: hydrant access, a short drive to the fire station, and a strong protection class can all help the price.
A recent claim tied to the home or the household can push up the price for Clear Lake Shores renewals as well as new policies, because claims history still weighs heavily.
Many insurers weigh a credit-based insurance score where the state allows; higher scores generally bring lower prices.
What makes Clear Lake Shores, TX unique
Clear Lake Shores has roughly 1,169 residents within Texas.
Clear Lake Shores 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 properties like those across Texas; rebuild cost, roof age, and construction still explain most premium differences block by block.
Carriers rating North Texas homes often price in severe thunderstorms, hail, and tornado risk typical of the Plains.
Savings opportunities for Clear Lake Shores, 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 chooses its own discount menu and sizes. Read “up to” as the top end, not a guarantee.
Home insurance coverage basics
- Dwelling (Coverage A): Money to rebuild the structure after a covered loss. It should keep pace with current local construction costs.
- Other structures (Coverage B): Detached garages, sheds, fences, and similar buildings not attached to the home are protected by this part.
- Personal property (Coverage C): This coverage protects furniture, clothing, and everyday belongings inside the home, with special limits that can apply to higher-value categories.
- Loss of use (Coverage D): Added costs of living elsewhere during repairs after a covered claim leaves it uninhabitable.
- Personal liability (E): Should you be held legally responsible for injuring another person or damaging their things in a covered incident, this part responds.
- Medical payments (Coverage F): This helps with guest medical bills for injuries that occur on your property, often without requiring a formal liability claim.
Clear Lake Shores, TX home & auto bundle savings
Illustrated average bundle savings, not a quote. Actual savings depend on carriers and drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Clear Lake Shores, Texas | $258 | $436 | $636 |
Housing and weather facts for Clear Lake Shores
Named places the USGS records in and around Clear Lake Shores include Lazy Bend, Kemah, Foster Place, Bay Breeze, Glen Cove, and Kemah Park. Older and newer sections can quote differently based on build era, roof, and fire protection.
FEMA’s National Risk Index flags tornado (“Relatively High”), strong-wind (“Relatively Moderate”), and hurricane (“Relatively High”) in Galveston County.
Clear Lake Shores’ median year built is 1989. There is a spread of ages: 22% date from before 1980 and 22% went up in 2010 or later.
The NOAA Storm Events Database logged 7 hail reports within about 5 miles of Clear Lake Shores from 2016 through 2025; 5 were one inch or bigger. Top size was 1.75 inches in May 2024 near League City.
ACS 2020–2024 estimates put about 584 housing units in Clear Lake Shores, and homeowners occupy roughly 76% of the occupied homes. Of all units, 81% are detached single-family houses and 17% are in buildings with two or more units.
Tornado history matters here as well: NOAA recorded 8 tornadoes touching down within 10 miles of Clear Lake Shores in 2016–2025, the most intense an EF1 during December 2024.
Home heating in Clear Lake Shores runs mainly on utility gas (57%) and electricity (41%).
Since 2000, Galveston County has been part of 12 major disaster declarations; the latest is Hurricane Beryl (July 2024).
Clear Lake Shores’ population went from 1,205 at the 2000 Census to 1,063 at the 2010 Census, and the Census Bureau’s July 2024 estimate is 1,294. Numbers have held fairly steady since 2000.
Going further back, NOAA’s Storm Prediction Center counts 15 hail reports within 5 miles of Clear Lake Shores between 1955 and 2015, topped by hail of 2.5 inches on June 6, 2013. 1 of those reports were 2 inches or larger. The NOAA Storm Prediction Center database shows 44 tornadoes that began within 10 miles of Clear Lake Shores from 1950 through 2015; the most powerful, rated F3, touched down on February 11, 1950. That tornado’s record lists 1 death and 12 injuries.
Looking at neighboring communities? Nearby home insurance pages: Kemah (1 mi), El Lago (2 mi), and Taylor Lake Village (3 mi).
Clear Lake Shores-area ZIP codes we insure
77565
More Texas coverage guides
Clear Lake Shores, TX homeowners quotes
Freedom Insurance Group compares 25+ carriers on behalf of Clear Lake Shores households. Next step: request a home quote on our site or call (800) 253-1482.
