Home Insurance in Jasper, Texas
With a median home value of $130,100, Jasper is close to the Jasper County median.
The typical home in Jasper was built around 1978. About 15% of homes were built before 1960, about 4 points above Jasper County's 11%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Jasper, the housing stock is 62% single-family homes, 13% apartments in buildings with 5+ units and 13% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Jasper, about 36% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Jasper has an owner-occupancy rate of 57% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
Most homes in Jasper - 79% - are primarily heated with electricity.
What's the biggest home insurance risk near Jasper? 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.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
This area lists 5 licensed insurance agencies.
Key figures
| Median home value | $130,100 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Jasper County | 298 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Jasper
- FIRST INSURANCE SERVICES OF JASPER, INC., Jasper (General Lines Agency)
- INDIAN CREEK AGENCY LLC, Jasper (General Lines Agency)
- JASPER UNITED LIMITED LIABILITY COMPANY, Jasper (General Lines Agency)
- LESTERS INSURANCE AGENCY, Jasper (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
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)