Home Insurance in China, Texas
Homes in China carry a median value of $186,500 - 10% higher than the Jefferson County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in China was built around 1979. About 17% of homes were built before 1960, in line with Jefferson County (17%).
In China, the housing stock is 87% single-family homes, 4% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In China, about 46% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
China has an owner-occupancy rate of 82% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
In China, 80% of homes are primarily heated with electricity.
Jefferson County's top FEMA-rated hazard is tornado (Relatively High), per FEMA's National Risk Index. Jefferson County had 20,058 active NFIP flood policies as of September 2026. See the full Jefferson 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 2 licensed insurance agencies.
Key figures
| Median home value | $186,500 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Jefferson County | 20,058 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in China
- AGAPE BENEFIT SPECIALISTS, LLC, China (General Lines Agency)
- SOUTHERN PLAINS INSURANCE AGENCY LLC, China (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)