Home Insurance in Nederland, Texas
Homes in Nederland carry a median value of $208,300 - 23% 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 Nederland was built around 1974. About 19% of homes were built before 1960, about 1 point above Jefferson County's 17%.
Housing in Nederland breaks down to 84% single-family homes, 8% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Nederland, about 50% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 73% of occupied homes in Nederland are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Nederland, 59% of homes are primarily heated with natural gas.
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.
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.
This area lists 7 licensed insurance agencies.
Key figures
| Median home value | $208,300 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 50% |
| 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 Nederland
- AMERICANA INSURANCE GROUP, LLC, Nederland (General Lines Agency)
- ARAS INSURANCE GROUP, LLC., Nederland (General Lines Agency)
- CALYCO INC, Nederland (General Lines Agency)
- F. B. TAYLOR INSURANCE AND REAL ESTATE AGENCY INC, Nederland (General Lines Agency)
- GAO INSURANCE SOLUTIONS LLC, Nederland (General Lines Agency)
- JULIAN CLAY SALTER LLC, Nederland (General Lines Agency)
- S & M INSURANCE GROUP INC, Nederland (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)