Home Insurance in Jasper County, Texas
Homes in Jasper County carry a median value of $136,400 - 52% lower than the Texas median.
The typical home in Jasper County was built around 1987. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 11% of homes were built before 1960, about 1 point below Texas's 12%.
The housing stock in Jasper County is 63% single-family homes, 3% apartments in buildings with 5+ units and 28% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 32% of owner-occupied homes in Jasper County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 79% of occupied homes in Jasper County are owner-occupied.
86% of homes in Jasper County are primarily heated with electricity.
The top hazards for Jasper County, per FEMA's National Risk Index, are hurricane (Relatively Moderate), wildfire (Relatively Low) and strong wind (Relatively Moderate).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Jasper County has 298 active NFIP flood policies on file.
The statewide average premium for a standard HO-3 homeowners policy in Texas is $2,864 per year, according to the NAIC homeowners insurance report (2023 data).
This area lists 9 licensed insurance agencies.
Key figures
| Median home value | $136,400 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 32% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Wildfire (Relatively Low), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 298 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Jasper County
- FIRST INSURANCE SERVICES OF JASPER, INC., Jasper (General Lines Agency)
- GUY AGENCY INC., Kirbyville (General Lines Agency)
- GUY AGENCY INC., Kirbyville (Pers Lines Prop and Cas Agency)
- INDIAN CREEK AGENCY LLC, Jasper (General Lines Agency)
- JASPER UNITED LIMITED LIABILITY COMPANY, Jasper (General Lines Agency)
- LANDMARK INSURANCE GROUP, LLC, Buna (General Lines Agency)
- LESTERS INSURANCE AGENCY, Jasper (General Lines Agency)
- TEXAN TRUST INSURANCE AGENCY INC., Kirbyviile (General Lines Agency)
- TIMBERLAKE INSURANCE GROUP LLC, Jasper (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)