Home Insurance in San Jacinto County, Texas
With a median home value of $209,300, San Jacinto County is 26% lower than the Texas median.
The typical home in San Jacinto County was built around 1991. About 8% of homes were built before 1960, about 4 points below Texas's 12%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in San Jacinto County is 72% single-family homes, 3% apartments in buildings with 5+ units and 23% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 46% of owner-occupied homes in San Jacinto County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 85% of occupied homes in San Jacinto County are owner-occupied. The vacancy rate is 28%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in San Jacinto County - 81% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, San Jacinto County's top hazards are tornado (Relatively Moderate), hurricane (Relatively Low) and wildfire (Relatively Low).
As of September 2026, San Jacinto County has 345 active NFIP flood insurance policies. 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.
5 licensed insurance agencies serve this area.
Key figures
| Median home value | $209,300 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively Moderate), Hurricane (Relatively Low), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 345 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in San Jacinto County
- CLEARANCE INSURANCE SERVICES OF TEXAS LLC, Shepherd (County Mutual Agency)
- CLEARANCE INSURANCE SERVICES OF TEXAS LLC, Shepherd (General Lines Agency)
- FIRST FOUNDERS LLC, Coldspring (General Lines Agency)
- MINX INSURANCE AND FINANCIAL SERVICES INC., Coldspring (General Lines Agency)
- Q-TEX INSURANCE SERVICES LLC, Point Blank (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)