Home Insurance in Kirbyville, Texas
With a median home value of $87,400, Kirbyville is 36% lower than the Jasper County median.
The typical home in Kirbyville was built around 1979. About 33% of homes were built before 1960, about 22 points above Jasper County's 11%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Kirbyville is 66% single-family homes, 4% apartments in buildings with 5+ units and 20% 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.
40% of owner-occupied homes in Kirbyville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 61% of occupied homes in Kirbyville are owner-occupied.
Most homes in Kirbyville - 81% - are primarily heated with electricity.
What's the biggest home insurance risk near Kirbyville? 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).
2 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $87,400 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 40% |
| 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 Kirbyville
- GUY AGENCY INC., Kirbyville (General Lines Agency)
- GUY AGENCY INC., Kirbyville (Pers Lines Prop and Cas 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)