Home Insurance in Jersey Village, Texas
Homes in Jersey Village carry a median value of $346,900 - 25% higher than the Harris County median.
The typical home in Jersey Village was built around 1991. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 7% of homes were built before 1960, about 4 points below Harris County's 12%.
Housing in Jersey Village breaks down to 47% single-family homes and 49% apartments in buildings with 5+ units.
In Jersey Village, about 51% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 45% of occupied homes in Jersey Village are owner-occupied.
58% of homes in Jersey Village are primarily heated with electricity.
What's the biggest home insurance risk near Jersey Village? FEMA's National Risk Index points to hurricane (Very High) in Harris County and Harris County had 223,081 active NFIP flood policies as of September 2026. See the full Harris 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.
1 licensed insurance agencies serve this area.
Key figures
| Median home value | $346,900 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 45% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Hurricane (Very High) |
| Active NFIP policies in Harris County | 223,081 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Jersey Village
- INCONSERVICES LLC, Jersey Village (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
Nearby towns
- Spring Valley Village
- Hilshire Village
- Bunker Hill Village
- Hunters Creek Village
- Piney Point Village
- Houston
- Bellaire
- West University Place
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)