Home Insurance in Lake Jackson, Texas
The median home value in Lake Jackson is $250,100, 17% lower than the Brazoria County median.
The typical home in Lake Jackson was built around 1983. About 15% of homes were built before 1960, about 7 points above Brazoria County's 8%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Lake Jackson is 67% single-family homes and 29% apartments in buildings with 5+ units.
In Lake Jackson, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 62% of occupied homes in Lake Jackson are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Lake Jackson, 50% of homes are primarily heated with natural gas.
Brazoria County had 28,316 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively High). See the full Brazoria County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Texas carries a statewide average premium of $2,864 per year.
6 licensed insurance agencies serve this area.
Key figures
| Median home value | $250,100 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Brazoria County | 28,316 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Lake Jackson
- BEST INSURANCE SERVICES INC, Lake Jackson (General Lines Agency)
- BRAZOSPORT INSURANCE AGENCY, PLLC, Lake Jackson (General Lines Agency)
- NK2 INVESTMENTS, LLC, Lake Jackson (General Lines Agency)
- PLATT INSURANCE AGENCY, LLC, Lake Jackson (General Lines Agency)
- RISE UP SOLUTIONS LLC, Lake Jackson (General Lines Agency)
- TEXAS STRONG INSURANCE AND INVESTMENT SERVICES LLC, Lake Jackson (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
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)
- Texas Department of Insurance - licensed agencies (2026)