Home Insurance in St. Jo, Texas
Homes in St. Jo carry a median value of $159,400 - 23% lower than the Montague County median.
The typical home in St. Jo was built around 1972. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 36% of homes were built before 1960, about 14 points above Montague County's 23%.
In St. Jo, the housing stock is 79% single-family homes, 6% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
53% of owner-occupied homes in St. Jo carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
St. Jo has an owner-occupancy rate of 69% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
In St. Jo, 61% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near St. Jo? FEMA's National Risk Index points to wildfire (Relatively Moderate) in Montague County and Montague County had 65 active NFIP flood policies as of September 2026. See the full Montague 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.
Key figures
| Median home value | $159,400 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Wildfire (Relatively Moderate) |
| Active NFIP policies in Montague County | 65 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
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)