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Home Insurance in China, TX
See where China stands against county and statewide figures before you compare home insurance quotes.
$6,047/yr
About $504/mo · ~$300k-$400k dwelling class
$3,779/yr
About $315/mo after modeled shopping discount
About 37.5% below local market estimate
How China homes compare
| Measure | China | Jefferson County | Texas |
|---|---|---|---|
| Median home value | $186,500 | $169,500 | $283,800 |
| Median year built | – | 1978 | 1992 |
| Owner-occupied homes | 82% | 63% | 63% |
| Single-family detached | 87% | 71% | 64% |
| Built before 1980 | 51% | 54% | 33% |
| Built 2000 or later | 32% | 25% | 39% |
| Manufactured homes | 9% | 3% | 6% |
Owner-occupancy is higher than the county figure (82% versus 63%). Manufactured homes are more common in China (9% of units) than across Jefferson County (3%).
Owners in China put the median value of their homes at $186,500. Jefferson County as a whole is in the same range, at $169,500. 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.
Weather risk in Jefferson County, rated
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Relatively Low | 28 hail reports |
| Tornadoes | Relatively High | 9 tornadoes |
| Strong wind | Relatively High | 52 thunderstorm wind reports |
| Inland flooding | Relatively Moderate | 52 flash floods |
| Hurricanes | Very High | – |
| Coastal flooding | Relatively Moderate | – |
| Wildfire | Relatively Moderate | – |
| Winter weather | Relatively Moderate | – |
| Drought | Relatively Moderate | – |
| Lightning | Very High | – |
Taking all natural hazards together, FEMA rates Jefferson County relatively high. The highest-rated individual hazards are hurricanes (very high), lightning (very high) and tornadoes (relatively high).
FEMA has issued 11 natural-hazard major disaster declarations covering Jefferson County since 2000. Among the most recent are Hurricane Beryl (2024), Severe Winter Storms (2021) and Hurricane Laura (2020).
Turning the China numbers into coverage choices
- Jefferson County is a first-tier coastal county, so China falls within TWIA’s designated catastrophe area. Many local policies split wind and hail off to TWIA while the homeowners policy covers everything else.
- FEMA lists China as a participating NFIP community. Its current effective flood map dates to August 2002. Across Jefferson County, 18,645 residential NFIP policies were in force, roughly 1 for every 5 homes. Policyholders in the county have filed 10,724 NFIP claims since 2016. Remember that flood is excluded from homeowners policies and NFIP coverage usually starts 30 days after purchase.
- 32% of local homes are from 2000 or later, compared with 51% built before 1980. Homes from the 1980s and 1990s are now old enough that many are on a second roof, and insurers commonly ask when it was replaced.
Local offices and records
Insurers often check the appraisal district record, so confirm that what the Jefferson district shows at www.jcad.org matches your home. You can also visit the office at 4610 S. Fourth St. Beaumont, TX 77705-4547. For local warnings, the responsible National Weather Service office is NWS Lake Charles, LA. The radar the weather service assigns to this point is KHGX.
China sits within Jefferson County. The Beaumont-Port Arthur metro area counts Jefferson County among its central counties. Head about 12 miles from China and you reach Beaumont, the nearest larger city.
Questions China homeowners ask
What natural hazards affect China homes most?
FEMA’s National Risk Index rates overall risk in Jefferson County as relatively high. The highest individual ratings are for hurricanes (very high), lightning (very high) and tornadoes (relatively high). Those are the perils to ask about when you compare deductibles and endorsements.
Is the median home value in China the right dwelling limit?
Usually not. The median owner-estimated value in China is $186,500, yet that number includes land and location. Carriers estimate replacement cost from size, construction and finishes, and that is what the dwelling limit should follow.
Has China been part of a FEMA disaster declaration?
Jefferson County has been included in 11 natural-hazard major disaster declarations since 2000. The most recent was Hurricane Beryl, declared in July 2024. Disaster aid rarely covers a full rebuild, which is why adequate limits matter.
How much could I save by shopping my China policy?
The estimate cards above model about 37.5% below the local market figure for China. Treat it as illustrative; your quote depends on the home, roof, claims history and deductible.
Ready to price your China home?
Texas Insurance Resources shops multiple carriers for you. Call 800-875-4711 or start online.
Sources for this China page
All public data on this page was pulled in October 2026. Census numbers are survey estimates. Price estimates near the top are Texas Insurance Resources models for comparison, not quotes or published averages.
- Texas Windstorm Insurance Association
- Community Status Book (NFIP)
- FEMA disaster declarations, Jefferson County
- Comptroller economic regions
- NFIP data (OpenFEMA), Jefferson County
- Census ACS 2020–2024, China city: tenure, year built, median year built, structure type, population, home value
- NWS Lake Charles, LA
- Comptroller county directory, Jefferson County
- County and state comparisons: Jefferson County value, Jefferson County build year, Texas value
- FEMA NRI county ratings, Jefferson County
- NOAA Storm Events Database, Jefferson County
- OMB metro and micro areas
- Census Gazetteer files