Home Insurance in Jackson County, Texas
The median home value in Jackson County is $203,900, 28% lower than the Texas median.
The typical home in Jackson County was built around 1978. About 26% of homes were built before 1960, about 14 points above Texas's 12%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Jackson County is 76% single-family homes, 7% apartments in buildings with 5+ units and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Jackson County, about 41% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Jackson County has an owner-occupancy rate of 71% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 68% of homes in Jackson County are primarily heated with electricity.
The top hazards for Jackson County, per FEMA's National Risk Index, are hurricane (Relatively High), wildfire (Relatively Low) and inland flooding (Relatively Low).
As of September 2026, Jackson County has 498 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.
4 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $203,900 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively High), Wildfire (Relatively Low), Inland Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 498 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Jackson County
- 4-AG CROP SERVICES LLC, Edna (General Lines Agency)
- ONEAL VENTURES LLC, Eana (General Lines Agency)
- TEXANA INSURANCE AGENCY INC, Ganado (General Lines Agency)
- ULBRICHT INSURANCE AGENCY INC, Edna (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)