HomeInsuranceQts

Home Insurance in Beaumont, Texas

With a median home value of $166,400, Beaumont is close to the Jefferson County median.

Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Beaumont was built around 1978. About 17% of homes were built before 1960, in line with Jefferson County (17%).

In Beaumont, the housing stock is 70% single-family homes, 21% apartments in buildings with 5+ units and 2% mobile or manufactured homes.

46% of owner-occupied homes in Beaumont carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

Beaumont has an owner-occupancy rate of 55% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.

66% of homes in Beaumont are primarily heated with electricity.

Jefferson County had 20,058 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively High). See the full Jefferson County home insurance overview for all FEMA hazard ratings and flood coverage details.

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 49 licensed insurance agencies.

Key figures

Median home value$166,400
Median year built1978
Owner-occupied share55%
Share of owner-occupied homes with a mortgage46%
Top county hazardTornado (Relatively High)
Active NFIP policies in Jefferson County20,058
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)
Key home insurance figures for Beaumont, TX

Licensed insurance agencies in Beaumont

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

Nearby towns

Sources

Data last updated: 2026-09-29