Home Insurance in Browndell, Texas
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Browndell was built around 2001. About 18% of homes were built before 1960, about 7 points above Jasper County's 11%.
The housing stock in Browndell is 75% single-family homes, 1% apartments in buildings with 5+ units and 24% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
20% of owner-occupied homes in Browndell carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Browndell has an owner-occupancy rate of 90% and a vacancy rate of 24%; unoccupied homes typically need a different coverage form.
Most homes in Browndell - 59% - are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Browndell? FEMA's National Risk Index points to hurricane (Relatively Moderate) in Jasper County and Jasper County had 298 active NFIP flood policies as of September 2026. See the full Jasper County home insurance overview for all FEMA hazard ratings and flood coverage details.
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.
Key figures
| Median year built | 2001 |
|---|---|
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 20% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Jasper County | 298 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
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)