Home Insurance in Edna, Texas
With a median home value of $117,800, Edna is 42% lower than the Jackson County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Edna was built around 1974. About 30% of homes were built before 1960, about 4 points above Jackson County's 26%.
The housing stock in Edna is 75% single-family homes, 13% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 39% of owner-occupied homes in Edna have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Edna has an owner-occupancy rate of 58% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Most homes in Edna - 62% - are primarily heated with electricity.
FEMA rates Jackson County's overall risk as Relatively Low, led by hurricane (Relatively High). Jackson County had 498 active NFIP flood policies as of September 2026. See the full Jackson 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).
2 licensed insurance agencies serve this area.
Key figures
| Median home value | $117,800 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Jackson County | 498 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Edna
- 4-AG CROP SERVICES LLC, Edna (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
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)