Home Insurance in Jones Creek, Texas
Homes in Jones Creek carry a median value of $182,300 - 40% lower than the Brazoria County median.
The typical home in Jones Creek was built around 1973. About 23% of homes were built before 1960, about 16 points above Brazoria County's 8%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Jones Creek, the housing stock is 84% single-family homes and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Jones Creek, about 49% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 92% of occupied homes in Jones Creek are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Jones Creek, 51% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Jones Creek? FEMA's National Risk Index points to tornado (Relatively High) in Brazoria County and Brazoria County had 28,316 active NFIP flood policies as of September 2026. See the full Brazoria County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Texas is $2,864 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $182,300 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Brazoria County | 28,316 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)