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Home Insurance in Ganado, TX
FEMA rates hurricanes and drought as the leading natural hazards for Jackson County. Here is the storm, flood and wind record that shapes home insurance in Ganado.
$6,230/yr
About $519/mo · ~$300k-$400k dwelling class
$3,551/yr
About $296/mo after modeled shopping discount
About 43% below local market estimate
What FEMA’s ratings say about Ganado
In FEMA’s National Risk Index, Jackson County carries an overall rating of relatively low. The individual hazards that stand out are hurricanes (relatively high) and drought (relatively moderate).
FEMA rates hurricane exposure relatively high here, so coastal-style questions apply: who covers wind, and is flood insured separately?
With drought rated relatively moderate, foundation movement is a concern, but standard policies usually exclude it unless it results from a covered water leak.
Recent severe weather in Jackson County
Over the ten years from 2016 to 2025, NOAA recorded 1 hail event across Jackson County. Quarter-size or larger stones, an inch and up, appear in 1 of them. On April 2, 2017, observers reported hail as large as 1.75 inches. Between 2016 and 2025, 1 tornado touched down in Jackson County.
Severe thunderstorm winds were reported 7 times, the strongest near 81 mph. Flash floods account for 9 more entries in the decade.
Jackson County appears in 6 presidential major disaster declarations for weather and other natural hazards from 2000 onward. The most recent include Hurricane Beryl (2024), Severe Winter Storms (2021) and Hurricane Harvey (2017).
Wind and hail coverage in Ganado
Jackson County is outside TWIA’s designated catastrophe area, so wind and hail are normally covered by the homeowners policy itself, often with a separate percentage deductible.
Flood risk and coverage for Ganado
Ganado participates in the National Flood Insurance Program, so NFIP policies are available to residents. Its current effective flood map dates to September 2014. NFIP data counts 470 residential flood policies in Jackson County, about 1 for every 15 homes. Policyholders in the county have filed 65 NFIP claims since 2016. Since homeowners forms exclude flood, plan ahead: most NFIP policies only take effect after a 30-day waiting period.
You can check your flood zone by address at the FEMA Flood Map Service Center.
How Ganado homes are built and valued
Half of the housing in Ganado dates from 1969 or earlier, per Census estimates. Pre-1980 houses are about 67% of the stock, and post-2000 houses about 7%. Census data shows a median home value of $180,700 in Ganado. Jackson County as a whole is in the same range, at $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.
Where Ganado homeowners can check the details
Jackson County is home to Ganado. No metro or micro area includes Jackson County, so it is rural by the federal definition. Measured point to point, Ganado sits roughly 32 miles northeast of Victoria.
Square footage and build year on file with the Jackson appraisal district (www.jacksoncad.org) feed straight into replacement-cost estimates, so check them for errors. The district office address is 404 N. Allen St. Edna, TX 77957-2604. For local warnings, the responsible National Weather Service office is NWS Houston/Galveston, TX. The associated NEXRAD radar is KHGX.
Ganado hazard and coverage questions
Is Ganado in the TWIA coverage area?
No, Jackson County is not in TWIA territory. Look instead at the wind and hail deductible on your homeowners quotes, since that is where storm costs land.
What wind and hail deductible should I choose in Ganado?
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. With 1 reports of inch-plus hail in Jackson County from 2016 through 2025, it is worth pricing both options.
Is foundation movement covered for Ganado homes?
Generally no. Settling and earth movement are excluded on most homeowners forms, even though drought, rated relatively moderate in Jackson County by FEMA, can move foundations. A covered water leak that damages the slab may be the exception.
Does homeowners insurance cover tornado damage in Ganado?
Yes, tornado damage is covered as windstorm, subject to your wind and hail deductible. NOAA records show 1 tornado in Jackson County from 2016 through 2025, so confirm your dwelling and loss-of-use limits would cover a full rebuild.
Ready to price your Ganado home?
Talk to a licensed Texas Insurance Resources agent at 800-875-4711, or get a quote online.
Data sources and notes
Data reflects the most recent releases available in October 2026; survey figures carry margins of error. Premium figures in the estimate cards are illustrative models, not quotes.
- OpenFEMA NFIP data, Jackson County
- American Community Survey 2020–2024, Ganado city: median year built, population, year built, structure type, tenure, home value
- Disaster declarations (FEMA), Jackson County
- FEMA National Risk Index, Jackson County
- Census metro delineation
- Census Gazetteer coordinates
- Comptroller CAD listing, Jackson County
- NWS Houston/Galveston, TX
- NOAA NCEI storm reports, Jackson County
- TWIA eligibility
- NFIP Community Status Book
- Comparison figures: Jackson County value, Jackson County build year
- Comptroller 2024 regions