Home Insurance in Jamaica Beach, Texas
With a median home value of $333,500, Jamaica Beach is 6% higher than the Galveston County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Jamaica Beach was built around 1979. About 1% of homes were built before 1960, about 11 points below Galveston County's 12%.
Housing in Jamaica Beach breaks down to 99% single-family homes and 1% mobile or manufactured homes.
38% of owner-occupied homes in Jamaica Beach carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Jamaica Beach has an owner-occupancy rate of 97% and a vacancy rate of 59%; unoccupied homes typically need a different coverage form.
89% of homes in Jamaica Beach are primarily heated with electricity.
Galveston County's top FEMA-rated hazard is hurricane (Relatively High), per FEMA's National Risk Index. Galveston County had 58,876 active NFIP flood policies as of September 2026. See the full Galveston 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 | $333,500 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Galveston County | 58,876 |
| 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)