Home Insurance in Jacksboro, Texas
With a median home value of $259,700, Jacksboro is close to the Jack County median.
The typical home in Jacksboro was built around 1969. About 38% of homes were built before 1960, about 10 points above Jack County's 28%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Jacksboro is 83% single-family homes, 5% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
41% of owner-occupied homes in Jacksboro carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 68% of occupied homes in Jacksboro are owner-occupied.
48% of homes in Jacksboro are primarily heated with electricity.
Jack County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Jack County had 10 active NFIP flood policies as of September 2026. See the full Jack County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
3 licensed insurance agencies serve this area.
Key figures
| Median home value | $259,700 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Jack County | 10 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Jacksboro
- 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
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)