Home Insurance in Jarrell, Texas
With a median home value of $346,300, Jarrell is 23% lower than the Williamson County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Jarrell was built around 2015. About 3% of homes were built before 1960, in line with Williamson County (2%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Jarrell is 86% single-family homes and 12% mobile or manufactured homes.
72% of owner-occupied homes in Jarrell carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Jarrell has an owner-occupancy rate of 84% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Most homes in Jarrell - 91% - 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.
FEMA rates Williamson County's overall risk as Relatively Moderate, led by hail (Relatively High). Williamson County had 2,018 active NFIP flood policies as of September 2026. See the full Williamson 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).
4 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $346,300 |
|---|---|
| Median year built | 2015 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 72% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Williamson County | 2,018 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Jarrell
- ANCHORED INSURANCE SERVICES, LLC, Jarrell (General Lines Agency)
- BS RISK MANAGEMENT LLC, Jarrell (General Lines Agency)
- HAZEL INSURANCE SERVICES LLC, Jarrell (General Lines Agency)
- SAYERS INSURANCE AGENCY LLC, Jarrell (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)