Home Insurance in Jacksonville, Texas
The median home value in Jacksonville is $119,800, 29% lower than the Cherokee County median.
The typical home in Jacksonville was built around 1980. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 25% of homes were built before 1960, about 7 points above Cherokee County's 18%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Jacksonville is 70% single-family homes, 14% apartments in buildings with 5+ units and 7% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Jacksonville, about 39% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 61% of occupied homes in Jacksonville are owner-occupied.
54% of homes in Jacksonville are primarily heated with electricity.
What's the biggest home insurance risk near Jacksonville? FEMA's National Risk Index points to strong wind (Relatively High) in Cherokee County and Cherokee County had 147 active NFIP flood policies as of September 2026. See the full Cherokee 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).
4 licensed insurance agencies serve this area.
Key figures
| Median home value | $119,800 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Cherokee County | 147 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Jacksonville
- 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)
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)