The Property Tax Exemption Many Houston Homeowners Have Not Filed ForHere is the part of this story that is immediately actionable. Veterans with a 100 percent service-connected disability rating pay zero property tax on their Houston homestead. Roof age is the single largest driver of Houston insurance costs. State and regional retrofit programs are available to help qualifying Houston homeowners cover some upfront improvement costs. The homestead exemption filing is the one piece that is entirely within every Houston homeowner’s control — and that many have not yet claimed.