Home Insurance in Shepherd, Texas
With a median home value of $157,300, Shepherd is 25% lower than the San Jacinto County median.
The typical home in Shepherd was built around 1983. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 12% of homes were built before 1960, about 4 points above San Jacinto County's 8%.
In Shepherd, the housing stock is 55% single-family homes, 2% apartments in buildings with 5+ units and 26% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
46% of owner-occupied homes in Shepherd carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 26%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 66% of occupied homes in Shepherd are owner-occupied.
Most homes in Shepherd - 79% - 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.
San Jacinto County's top FEMA-rated hazard is tornado (Relatively Moderate), per FEMA's National Risk Index. San Jacinto County had 345 active NFIP flood policies as of September 2026. See the full San Jacinto County home insurance overview for all FEMA hazard ratings and flood coverage details.
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).
This area lists 2 licensed insurance agencies.
Key figures
| Median home value | $157,300 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in San Jacinto County | 345 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Shepherd
- CLEARANCE INSURANCE SERVICES OF TEXAS LLC, Shepherd (County Mutual Agency)
- CLEARANCE INSURANCE SERVICES OF TEXAS LLC, Shepherd (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)