Here is a sobering statistic for residents of Houston, Texas who have no choice but to purchase homeowners insurance Houston policies. Out of nearly 300 cities across the Lone Star State compared for prices of homeowners insurance, homeowners insurance Houston costs scored in the top 10 most expensive in the entire state, with an average homeowners insurance Houston insurance policy annual premium of an eye-watering $2,245 per property. This should be cause for alarm among Houstonians, or at least should give them pause for thought about why it is so very high and what, if anything, can be done about the astronomical levels that really are some of the highest in the continental United States and not just in Texas. Get better insurance rates at It really comes down to only a few reasons for why the good people of Houston get pounded for their homeowners insurance Houston premiums, and there are some things that can be done about this to ease the horrific premium strains for families and individuals who own their own homes and properties here.
What Makes Cities Outside of Houston So Much Less Expensive for Homeowners Insurance Policies?

Homeowners Insurance Houston Premiums are Higher than Other Cities

There is no single reason why homeowners insurance policies are so much less in fully 266 different cities in Texas than they are in Houston, but there are several indicators as to why this is the case. The countless cities which boast lower, and sometimes drastically lower, insurance annual premiums than Houston (El Paso comes in at a cool $824 and Taylor at $987) have a few things in common that homeowners insurance Houston lacks.


Homeowners Insurance in Houston

For one, most of these far more reasonably priced homeowners insuring cities throughout the great state of Texas are found far away from the Gulf of Mexico. This matters hugely because of the extra premium that is built in due to the risks of being hit by a hurricane or tropical storm during the more or less half a year of terror every annum known as hurricane season. While Houston does not historically demonstrate a great number of direct full-on hurricane or tropical storm hits, it has suffered enough near misses that it scores high in the danger zone realm of possibilities for the “big one” to eventually make landfall in or near the enormous city. This can make it difficult to obtain any priced homeowners insurance Houston policies, and not simply an astronomically higher one.
Other Factors that Impact Homeowners Insurance Houston Rates

Additional Possible Natural Disasters

Houston suffers from a number of other disadvantages where the pricing and risk factors of homeowners insurance rates and premiums are concerned. The city is also nearer to the northern parts of the state, where tornado incidents begin to creep higher the farther one travels north. There are other natural disaster dangers for which Houston scores alarmingly high in the realms of probability as well, such as wildfires and mudslides. It is a fact of life and nature that those who live in cities like Houston with higher degrees of danger from these and other so-called “Acts of God” will pay more dearly for their annual premiums than those cities that suffer from lower probabilities of the same natural disasters.
Crime Rates in Houston and How They Affect Homeowners Insurance Houston Rates

Many residents of Houston may not consider the problem that their city has with its crime and violent crime index and rates. The crime index for Houston is 4 out of 100, where 100 is safest. This translates to Houston being safer than merely 4% of all American cities. With a property crime rate of 47.42 crimes per 1,000 residents, Houston has an astronomically high property crime rate of over 4.7%, the highest in not only Texas, but among the highest in the entire United States.

Crimes against property have a direct and serious bearing on the cost of homeowners insurance rates, since the insurance company majors rightly deduce that cities with higher crime, and especially with significant property crimes, will have a greater chance of damage being done to a home or outside property and a greater likelihood of one or more damage claims being filed by the homeowners themselves. Anyone who thinks these property crimes are bad should consider that the violent crime rate in Houston is so high that it is regarded as the most dangerous city in Texas out of the 246 it is compared against.
What Can Be Done to Reduce These Dangers and Premiums for Houston Homeowners?

Improvements to Homes That Reduce the Likelihood of Damage from Natural Disasters

The first thing that concerned Houstonians can do, absent moving to a less dangerous location and city, is to attempt to make their homes more resistant to natural disasters. Interested parties can start by querying their homeowners insurance company about the subject to learn what sort of discounts for home improvements might be available to them. Houses can be made better resistant to windstorms, hurricanes, tornadoes, and other natural disasters like flooding and wildfires. Something as simple as putting on shatter- proof glass, including storm shutters on windows, or reinforcing the roof itself may save hundreds of dollars in premiums each year.

Improvements to Homes That Reduce the Chances of Becoming a Victim of Burglary and other Property Related Crimes

While Houstonians may not be able to change the course of oncoming hurricanes, tropical storms, and tornadoes, they can do something about the chances of being victimized by burglaries and other property crimes. Insurance companies have all demonstrated a willingness to reduce premiums for those who improve the safety features of their homes.

This starts with installing automatic electric gates, alarms, security cameras, and other safety features that will deter crime from property and houses. Organizing an official neighborhood watch may also help convince the big insurance companies that steps are being taken to ensure that these homes do not suffer from a high chance of being burglarized or victimized. Improving the safety and security of homes definitely reduces the chances of a burglar being likely to target a house or a neighborhood, and this reassures the insurance company majors and encourages them to lower homeowners insurance premiums apace. Getting the community property insurance risk rating reduced from ten down towards 1, the best score communities can obtain, will make all the difference in premiums in the world.