Home Insurance in Jack County, Texas
Homes in Jack County carry a median value of $251,200 - 11% lower than the Texas median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Jack County was built around 1975. About 28% of homes were built before 1960, about 15 points above Texas's 12%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Jack County is 76% single-family homes, 3% apartments in buildings with 5+ units and 16% mobile or manufactured homes.
In Jack County, about 38% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Jack County has an owner-occupancy rate of 72% and a vacancy rate of 22%; unoccupied homes typically need a different coverage form.
Most homes in Jack County - 53% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists wildfire (Relatively Low), hail (Relatively Low) and tornado (Relatively Low) as the leading hazards for Jack County.
As of September 2026, Jack County has 10 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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.
3 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $251,200 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Hail (Relatively Low), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 10 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Jack County
- KEVIN WOLF INSURANCE AGENCY & REAL ESTATE INC, Jacksboro (General Lines Agency)
- LONE STAR 4T INVESTMENTS, LLC, Jacksboro (General Lines Agency)
- MASSENGALE INVESTMENTS LLC, Jacksboro (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)