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Home Insurance in Jones Creek, TX
Six steps to a better homeowners policy in Jones Creek, built around Brazoria County hazard and housing data.
How to shop for home insurance in Jones Creek
- Start with the appraisal record. Before you request quotes, pull your record from the Brazoria appraisal district at www.brazoriacad.org; the Texas Comptroller’s Brazoria County directory lists its contact details. The district office address is 500 N. Chenango St. Angleton, TX 77515-4650.
- Set the dwelling limit from rebuild cost. The median owner-estimated home value in Jones Creek is $182,300. The county-wide figure is higher, at $301,600. Land value is part of a sale price but not of a rebuild, so the right Coverage A figure can be well above or below market value.
- Pick deductibles with local storms in mind. Brazoria County had 16 hail reports in NOAA’s storm records for 2016 through 2025. In 12 cases the hail was an inch across or bigger. The top report was 1.75-inch hail on March 15, 2024. A higher deductible lowers premium, but make sure you could pay it after a storm.
- Sort out windstorm coverage. TWIA, the state’s windstorm insurer of last resort, covers all 14 first-tier coastal counties, including Brazoria County. That means Jones Creek can get wind and hail coverage there if private carriers exclude it.
- Look at flood separately. NFIP flood policies are available in Jones Creek, a participating community. Its flood map now in force took effect in December 2020. In Brazoria County, roughly 1 home in 4 has federal flood coverage (27,418 residential policies in force). NFIP records show 6,507 flood claims in the county since 2016. Flood needs its own policy, and buying one right before a storm will not help because of the usual 30-day wait. Your flood zone is a quick search away on the FEMA Flood Map Service Center.
- Compare quotes on equal terms. Ask every carrier to quote the same dwelling limit, deductibles and endorsements, then compare price and claim terms. An independent agency can run several Jones Creek quotes at once; start a quote here.
$6,309/yr
About $526/mo · ~$300k-$400k dwelling class
$3,880/yr
About $323/mo after modeled shopping discount
About 38.5% below local market estimate
Jones Creek data in one place
In FEMA’s National Risk Index, Brazoria County carries an overall rating of relatively moderate. The individual hazards that stand out are tornadoes (relatively high), hurricanes (relatively high) and inland flooding (relatively high).
Getting to know Jones Creek
The county for Jones Creek is Brazoria County. The Houston-Pasadena-The Woodlands metro area counts Brazoria County among its central counties. Galveston is the closest larger city, roughly 34 miles away, with Jones Creek to its southwest.
Owners live in 92% of occupied homes, and detached single-family houses account for about 80% of the stock. With mobile and manufactured homes at roughly 16% of housing, it is worth knowing that many carriers write them on dedicated policies with different wind and hail terms. The median home in Jones Creek was built in 1973. 13% of local homes are from 2000 or later, compared with 66% built before 1980.
Watches and warnings for Jones Creek are issued by NWS Houston/Galveston, TX. Radar coverage comes from the KHGX site.
Before you buy in Jones Creek
Should I compare quotes every year in Jones Creek?
Review it every renewal, and again after a roof replacement, remodel or a major storm season that changes carrier pricing.
What does the Jones Creek savings estimate on this page mean?
On this page we model a 38.5% gap between the local market estimate and our estimate for Jones Creek. It is not a quote, and actual savings can be higher, lower or zero.
Do I have to carry homeowners insurance in Jones Creek?
Texas does not mandate homeowners insurance, yet nearly every mortgage requires it. Owners without a loan still carry the full cost of a fire, hail or theft loss if uninsured.
Is a percentage deductible a good idea in Jones Creek?
Pick the deductible you could pay the week after a storm. Percentage deductibles scale with the dwelling limit, so 1% on a $400,000 limit means $4,000 per claim, while flat deductibles stay fixed. Brazoria County logged 12 reports of hail an inch or larger from 2016 through 2025, so run the numbers both ways.
Ready to price your Jones Creek home?
Texas Insurance Resources shops multiple carriers for you. Call 800-875-4711 or start online.
Data sources and notes
Data reflects the most recent releases available in October 2026; survey figures carry margins of error. Price estimates near the top are Texas Insurance Resources models for comparison, not quotes or published averages.
- Census metro delineation
- Gazetteer (Census)
- TWIA coverage area
- Comptroller 2024 regions
- Census ACS 2020–2024, Jones Creek village: tenure, population, home value, structure type, median year built, year built
- NOAA NCEI storm reports, Brazoria County
- OpenFEMA flood insurance data, Brazoria County
- Benchmarks: Brazoria County value, Brazoria County build year
- Disaster declarations (FEMA), Brazoria County
- National Risk Index (FEMA), Brazoria County
- FEMA Community Status Book
- NWS Houston/Galveston, TX
- Comptroller CAD listing, Brazoria County