Home Insurance in Jim Hogg County, Texas
Homes in Jim Hogg County carry a median value of $129,400 - 54% lower than the Texas median.
The typical home in Jim Hogg County was built around 1977. About 29% of homes were built before 1960, about 16 points above Texas's 12%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Jim Hogg County is 79% single-family homes, 6% 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.
About 36% of owner-occupied homes in Jim Hogg County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 32%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 56% of occupied homes in Jim Hogg County are owner-occupied.
Most homes in Jim Hogg County - 91% - are primarily heated with electricity.
The top hazards for Jim Hogg County, per FEMA's National Risk Index, are hurricane (Relatively Low), wildfire (Very Low) and hail (Relatively Low).
Jim Hogg County had 12 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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.
Key figures
| Median home value | $129,400 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Low), Wildfire (Very Low), Hail (Relatively Low) |
| Active NFIP flood policies (county) | 12 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
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)