Home Insurance in Jim Wells County, Texas
The median home value in Jim Wells County is $123,600, 56% lower than the Texas median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Jim Wells County was built around 1981. About 18% of homes were built before 1960, about 6 points above Texas's 12%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Jim Wells County is 74% single-family homes, 6% apartments in buildings with 5+ units and 15% mobile or manufactured homes.
40% of owner-occupied homes in Jim Wells County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 68% of occupied homes in Jim Wells County are owner-occupied.
In Jim Wells County, 79% of homes are primarily heated with electricity.
FEMA's National Risk Index lists hurricane (Relatively High), hail (Relatively Moderate) and wildfire (Relatively Low) as the leading hazards for Jim Wells County.
As of September 2026, Jim Wells County has 446 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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).
9 licensed insurance agencies serve this area.
Key figures
| Median home value | $123,600 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively High), Hail (Relatively Moderate), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 446 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Jim Wells County
- ESPARZA INSURANCE AGENCY INC, Alice (General Lines Agency)
- FELIX M ZUNIGA, LLC, Alice (General Lines Agency)
- GENESIS INSURANCE LLC, Alice (General Lines Agency)
- KDM INSURANCE SERVICES LLC, Premont (General Lines Agency)
- NORMA TREVINO INSURANCE AGENCY INC, Alice (General Lines Agency)
- ROBERT R MOLINA INS AGENCY INC, Alice (General Lines Agency)
- T E PROSPERITY INSURANCE AGENCY, LLC, Alice (General Lines Agency)
- THE ECONOMIC PLANNING GROUP INC, Alice (General Lines Agency)
- TRIAG INSURANCE LLP, Alice (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
Sources
- 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)