Home Insurance in Port Neches, Texas
Homes in Port Neches carry a median value of $253,200 - 49% higher than the Jefferson County median.
The typical home in Port Neches was built around 1972. About 14% of homes were built before 1960, about 4 points below Jefferson County's 17%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Port Neches is 84% single-family homes, 11% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Port Neches, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 70% of occupied homes in Port Neches are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Port Neches, 59% of homes are primarily heated with natural gas.
FEMA rates Jefferson County's overall risk as Relatively High, led by tornado (Relatively High). 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).
8 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $253,200 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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 Neches
- ANDY MARTIN INSURANCE AGENCY INC, Port Neches (General Lines Agency)
- CJB3 LLC, Port Neches (General Lines Agency)
- DDJR HOLDINGS, LLC, Port Neches (General Lines Agency)
- L&W INSURANCE SOLUTIONS, LLC, Port Neches (General Lines Agency)
- LANDRY INSURANCE AGENCY, LLC, Port Neches (General Lines Agency)
- MALLETT INSURANCE GROUP LLC, Port Neches (General Lines Agency)
- MCFERRIN INSURANCE AGENCY INC, Port Neches (General Lines Agency)
- THE CARPENTER AGENCY INC, Port Neches (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)