HomeInsuranceQts

Home Insurance in Jefferson County, Texas

With a median home value of $169,500, Jefferson County is 40% lower than the Texas median.

The typical home in Jefferson County was built around 1978. About 17% of homes were built before 1960, about 5 points above Texas's 12%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.

In Jefferson County, the housing stock is 73% single-family homes, 17% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.

In Jefferson County, about 43% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 63% of occupied homes in Jefferson County are owner-occupied.

Most homes in Jefferson County - 59% - are primarily heated with electricity.

The top hazards for Jefferson County, per FEMA's National Risk Index, are tornado (Relatively High), hurricane (Very High) and wildfire (Relatively Moderate).

As of September 2026, Jefferson County has 20,058 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.

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.

79 licensed insurance agencies serve this area.

Key figures

Median home value$169,500
Median year built1978
Owner-occupied share63%
Share of owner-occupied homes with a mortgage43%
Top hazards (FEMA National Risk Index)Tornado (Relatively High), Hurricane (Very High), Wildfire (Relatively Moderate)
Active NFIP flood policies (county)20,058
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)

Towns and cities

Licensed insurance agencies in Jefferson County

...and 19 more licensed agencies.

Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt

Sources