Home Insurance in Cherokee County, Texas
The median home value in Cherokee County is $169,300, 40% lower than the Texas median.
The typical home in Cherokee County was built around 1987. About 18% of homes were built before 1960, about 6 points above Texas's 12%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Cherokee County is 72% single-family homes, 4% apartments in buildings with 5+ units and 19% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 37% of owner-occupied homes in Cherokee County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 74% of occupied homes in Cherokee County are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Cherokee County - 62% - are primarily heated with electricity.
Per FEMA's National Risk Index, Cherokee County's top hazards are strong wind (Relatively High), wildfire (Relatively Low) and hurricane (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Cherokee County has 147 active NFIP flood policies on file.
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.
This area lists 5 licensed insurance agencies.
Key figures
| Median home value | $169,300 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 37% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively High), Wildfire (Relatively Low), Hurricane (Relatively Low) |
| Active NFIP flood policies (county) | 147 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Cherokee County
- AMARIS INSURANCE AGENCY LLC, Jacksonville (General Lines Agency)
- DIAMOND AGENCY, LLC, Jacksonville (General Lines Agency)
- JACKSONVILLE INSURANCE AGENCY LLC, Jacksonville (General Lines Agency)
- JORGE ARAGON INSURANCE AGENCY, LLC, Jacksonville (General Lines Agency)
- TOSH INSURANCE AGENCY INC, Rusk (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
Sources
- 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)