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Home Insurance in Alice, TX
FEMA rates hurricanes and cold waves as the leading natural hazards for Jim Wells County. Here is the storm, flood and wind record that shapes home insurance in Alice.
$5,152/yr
About $429/mo · ~$300k-$400k dwelling class
$3,261/yr
About $272/mo after modeled shopping discount
About 36.7% below local market estimate
Alice hazard snapshot
FEMA’s National Risk Index rates overall natural-hazard risk in Jim Wells County as relatively moderate. The highest-rated individual hazards are hurricanes (relatively high), cold waves (relatively high) and hail (relatively moderate).
FEMA rates hurricane exposure relatively high here, so coastal-style questions apply: who covers wind, and is flood insured separately?
Cold waves are rated relatively high in Jim Wells County; frozen pipes are the main home insurance concern.
With hail rated relatively moderate, the roof is the line item to watch: compare wind/hail deductibles and how each carrier settles roof claims.
Tornadoes rate relatively moderate in Jim Wells County, so an up-to-date home inventory and enough debris-removal coverage are worth confirming.
Ten years of storm reports in Jim Wells County
NOAA’s Storm Events Database logs 6 hail reports in Jim Wells County from 2016 through 2025. Quarter-size or larger stones, an inch and up, appear in 5 of them. The biggest stones, 2 inches across, fell on May 6, 2025. Between 2016 and 2025, 1 tornado touched down in Jim Wells County.
Thunderstorm wind reports numbered 69, with a peak near 115 mph. Add 18 flash flood events over those ten years.
Counting from 2000, 11 major disaster declarations for natural hazards have included Jim Wells County. The latest declarations were Severe Winter Storms (2021), Severe Storms and Flooding (2018) and Hurricane Harvey (2017).
Who covers wind in Alice?
There is no TWIA option in Jim Wells County, so the homeowners carrier handles wind and hail, and its deductible for those perils can differ from the all-other-perils deductible.
Flood exposure and the NFIP in Alice
The city takes part in the National Flood Insurance Program, which makes federal flood policies available. The effective FEMA flood map for the community is from August 2017. Flood coverage is far from universal: 377 residential NFIP policies in Jim Wells County, or about 1 per 34 homes. Jim Wells County has produced 20 NFIP claims from 2016 on. Standard homeowners policies exclude flood, and a new NFIP policy generally has a 30-day waiting period.
You can check your flood zone by address at the FEMA Flood Map Service Center.
Alice housing in brief
The median home in Alice was built in 1974. About 64% of homes went up before 1980, while 12% were built in 2000 or later. The median owner-estimated home value in Alice is $131,100. That is close to the Jim Wells County median of $123,600. Sale prices and rebuild costs can diverge in either direction, which is why carriers run their own replacement-cost estimate for the dwelling limit.
Local records and contacts for Alice
For county-level data, Alice falls under Jim Wells County. Federal definitions group Jim Wells County into the Alice micropolitan area. The nearest bigger city is Corpus Christi, about 55 miles from Alice as the crow flies.
The Jim Wells County appraisal district (www.jimwellscad.org) publishes the square footage, year built and improvements insurers use to estimate rebuild cost. You can also visit the office at 1600 E. Main St., Ste. 100 Alice, TX 78332-4096. The NWS Corpus Christi, TX office handles forecasts and storm warnings for Alice. The associated NEXRAD radar is KCRP.
Questions about weather risk in Alice
Is Alice in the TWIA coverage area?
No. TWIA only writes in the 14 first-tier coastal counties and part of Harris County, and Jim Wells County is not among them. Your homeowners carrier covers wind and hail.
Is a percentage deductible a good idea in Alice?
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. Jim Wells County logged 5 reports of hail an inch or larger from 2016 through 2025, so run the numbers both ways.
How common are hailstorms in Jim Wells County?
From 2016 through 2025, NOAA logged 6 hail reports in Jim Wells County, 5 of them with stones an inch or larger. FEMA’s National Risk Index rates the county’s hail risk relatively moderate. Keep photos of your roof’s condition so a future claim is easier to document.
Are tornadoes covered on a Alice home policy?
Yes. Tornadoes fall under the windstorm peril, so the wind and hail deductible applies. Jim Wells County had 1 tornado in NOAA’s 2016 to 2025 records, which is a good reason to check your dwelling, other-structures and debris-removal limits.
Request an Alice homeowners quote
Compare carriers with Texas Insurance Resources. Call 800-875-4711 or request a quote online.
Data sources and notes
All public data on this page was pulled in October 2026. Census numbers are survey estimates. Premium figures in the estimate cards are illustrative models, not quotes.
- TWIA eligibility
- Disaster declarations (FEMA), Jim Wells County
- NFIP Community Status Book
- Storm Events Database (NOAA), Jim Wells County
- NFIP data (OpenFEMA), Jim Wells County
- Comptroller CAD listing, Jim Wells County
- Benchmarks: Jim Wells County value, Jim Wells County build year
- FEMA NRI county ratings, Jim Wells County
- Comptroller 2024 regions
- Census Bureau ACS five-year data, Alice city: population, year built, structure type, median year built, home value, tenure
- Census CBSA delineation
- Census Gazetteer files
- NWS Corpus Christi, TX