Home Insurance in Port Arthur, Texas
With a median home value of $107,400, Port Arthur is 37% lower than the Jefferson County median.
The typical home in Port Arthur was built around 1976. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 20% of homes were built before 1960, about 3 points above Jefferson County's 17%.
In Port Arthur, the housing stock is 70% single-family homes, 22% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
30% of owner-occupied homes in Port Arthur carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 58% of occupied homes in Port Arthur are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Port Arthur - 58% - are primarily heated with electricity.
What's the biggest home insurance risk near Port Arthur? FEMA's National Risk Index points to tornado (Relatively High) in Jefferson County and 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.
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).
8 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $107,400 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 30% |
| 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 Port Arthur
- APPLIED INSURANCE AGENCY, INC., Port Arthur (General Lines Agency)
- BETTER WAY INSURANCE AGENCY CORP, Port Arthur (General Lines Agency)
- CALLARMAN INSURANCE AGENCY, LLC, Port Arthur (General Lines Agency)
- Decillionth LLC, Port Arthur (General Lines Agency)
- PEBBLE INSURANCE, INC., Port Arthur (General Lines Agency)
- RCP INSURANCE AGENCIES, LLC, Port Arthur (General Lines Agency)
- SAFEGUARD FINANCIAL & INSURANCE GROUP, INC., Port Arthur (General Lines Agency)
- USA TRUCK INSURANCE AGENCY LLC, Port Arthur (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)