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Home Insurance in Edna, TX
What Edna houses look like on paper, including age, type and value, and how each detail feeds into a homeowners quote.
What Edna housing looks like
Owners live in 58% of occupied homes, and detached single-family houses account for about 74% of the stock.
Older, newer and in between: Edna homes
According to the Census Bureau, the typical home in Edna went up around 1974. 18% of local homes are from 2000 or later, compared with 63% built before 1980. With a stock this mature, insurers often want the roof age and the year the electrical panel and plumbing were last updated before they bind coverage.
$4,880/yr
About $407/mo · ~$300k-$400k dwelling class
$2,904/yr
About $242/mo after modeled shopping discount
About 40.5% below local market estimate
Setting the dwelling limit in Edna
Median home value: $117,800, according to the latest five-year Census survey. That is below the Jackson County median of $203,900. Sale prices and rebuild costs can diverge in either direction, which is why carriers run their own replacement-cost estimate for the dwelling limit.
The six parts of a Edna homeowners policy
The structure limit. It should equal what it would cost to rebuild at current labor and material prices.
Fences and outbuildings. The default limit is often a percentage of Coverage A, which can be too low on larger lots. Larger lots and outbuildings are common here, so check the limit.
Contents coverage, with special lower limits for jewelry, firearms and collectibles unless scheduled.
Hotel, meals and other added costs while the home is uninhabitable after a covered claim.
Legal defense and damages if someone is hurt on your property or you damage someone else’s.
No-fault medical payments for visitors, usually a few thousand dollars.
Hazards Edna homes are exposed to
FEMA’s county-level National Risk Index puts Jackson County in the relatively low band overall. The individual hazards that stand out are hurricanes (relatively high) and drought (relatively moderate). From 2016 to 2025, 1 hail event was recorded in Jackson County in NOAA’s Storm Events Database. In 1 cases the hail was an inch across or bigger. The largest reported hail was 1.75 inches on April 2, 2017.
Wind coverage in Jackson County stays inside the homeowners policy because the county is outside TWIA’s coastal territory; compare the wind/hail deductible on every quote. Search the FEMA Flood Map Service Center by street address to find your zone.
Where to look up your Edna home
Insurers often check the appraisal district record, so confirm that what the Jackson district shows at www.jacksoncad.org matches your home. Its office is at 404 N. Allen St. Edna, TX 77957-2604.
Jackson County is home to Edna. Jackson County is not part of a metropolitan or micropolitan area in the federal delineation. Edna lies northeast of Victoria, around 23 miles away in a straight line.
FAQ: Edna home insurance
Does the age of Edna housing affect insurance?
The median home was built in 1974, and about 63% predate 1980, per Census estimates. Upgrades matter: a newer roof and updated wiring can open up more carriers and better prices.
How often should I shop coverage in Edna?
At least once a year at renewal. A new roof, security system or claim-free history can each change which carrier is cheapest.
How much could I save by shopping my Edna policy?
The estimate cards above model about 40.5% below the local market figure for Edna. Treat it as illustrative; your quote depends on the home, roof, claims history and deductible.
What coverage do landlords and tenants need in Edna?
Renters occupy about 42% of homes in Edna. Landlords generally need a DP-1, DP-2 or DP-3 dwelling policy, and tenants need renters insurance, because the landlord’s policy does not cover a tenant’s belongings.
Get an Edna home insurance quote
One call to 800-875-4711 or a short online form gets several carriers working on your quote.
Sources and methodology
Public data current as of October 2026; Census figures are survey estimates. Premium figures in the estimate cards are illustrative models, not quotes.
- TWIA eligibility
- County and state comparisons: Jackson County value, Jackson County build year
- Census ACS 2020–2024, Edna city: median year built, home value, structure type, year built, population, tenure
- Comptroller county directory, Jackson County
- Census CBSA delineation
- Census Gazetteer files
- National Risk Index (FEMA), Jackson County
- Texas Comptroller regions
- NOAA Storm Events Database, Jackson County