Home Insurance in Jefferson, Texas
The median home value in Jefferson is $148,600, 46% higher than the Marion County median.
The typical home in Jefferson was built around 1979. About 25% of homes were built before 1960, about 9 points above Marion County's 16%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Jefferson is 61% single-family homes, 2% apartments in buildings with 5+ units and 19% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 25% of owner-occupied homes in Jefferson have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Jefferson has an owner-occupancy rate of 54% and a vacancy rate of 24%; unoccupied homes typically need a different coverage form.
Most homes in Jefferson - 61% - are primarily heated with electricity.
Marion County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. Marion County had 10 active NFIP flood policies as of September 2026. See the full Marion 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).
This area lists 3 licensed insurance agencies.
Key figures
| Median home value | $148,600 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 25% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Marion County | 10 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Jefferson
- EASY RATE INSURANCE, LLC, Jefferson (General Lines Agency)
- MIKE CLAYTON INSURANCE CONSULTANTS LLC, Jefferson (General Lines Agency)
- SULLIVAN INSURANCE CONNECTION LLC, Jefferson (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)