Home Insurance in Alice, Texas
The median home value in Alice is $131,100, 6% higher than the Jim Wells County median.
The typical home in Alice was built around 1974. About 26% of homes were built before 1960, about 7 points above Jim Wells County's 18%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Alice is 77% single-family homes, 10% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 39% of owner-occupied homes in Alice have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Alice has an owner-occupancy rate of 57% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Most homes in Alice - 72% - are primarily heated with electricity.
Jim Wells County had 446 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively High). See the full Jim Wells 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 8 licensed insurance agencies.
Key figures
| Median home value | $131,100 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Jim Wells County | 446 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Alice
- ESPARZA INSURANCE AGENCY INC, Alice (General Lines Agency)
- FELIX M ZUNIGA, LLC, Alice (General Lines Agency)
- GENESIS INSURANCE LLC, Alice (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
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)