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Home Insurance in Jacksonville, TX
Storm reports, flood records and FEMA hazard ratings for Cherokee County, with plain-English notes on how strong wind and tornadoes risks show up in a Jacksonville policy.
$5,508/yr
About $459/mo · ~$300k-$400k dwelling class
$3,211/yr
About $268/mo after modeled shopping discount
About 41.7% below local market estimate
Jacksonville hazard snapshot
FEMA’s county-level National Risk Index puts Cherokee County in the relatively low band overall. The highest-rated individual hazards are strong wind (relatively high), tornadoes (relatively moderate) and winter weather (relatively moderate).
FEMA rates strong wind relatively high; shingles, fences and carports are the usual casualties.
Tornadoes rate relatively moderate in Cherokee County, so an up-to-date home inventory and enough debris-removal coverage are worth confirming.
Winter weather is rated relatively moderate in Cherokee County. Burst pipes from a freeze are generally covered, but carriers expect reasonable heat to be maintained.
With lightning rated relatively moderate, a whole-home surge protector is cheap insurance against electrical claims.
The Cherokee County storm record, 2016 to 2025
From 2016 to 2025, 45 hail events were recorded in Cherokee County in NOAA’s Storm Events Database. Stones of one inch or more showed up in 39 of the reports. The top report was 4-inch hail on April 6, 2019. NOAA lists 13 tornadoes in Cherokee County between 2016 and 2025, the strongest rated EF3 on April 13, 2019.
Severe thunderstorm winds were reported 61 times, the strongest near 96 mph. Flash flooding was logged 37 times over the same decade.
Counting from 2000, 12 major disaster declarations for natural hazards have included Cherokee County. Among the most recent are Hurricane Beryl (2024), Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024) and Severe Winter Storms (2021).
Windstorm questions for Jacksonville homes
There is no TWIA option in Cherokee 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 Jacksonville
Jacksonville participates in the National Flood Insurance Program, so NFIP policies are available to residents. Its flood map now in force took effect in January 2011. Across Cherokee County, 107 residential NFIP policies were in force, roughly 1 for every 187 homes. Since 2016, 34 NFIP flood claims have come from Cherokee County. Flood needs its own policy, and buying one right before a storm will not help because of the usual 30-day wait.
Look up your address on the FEMA Flood Map Service Center to see your flood zone.
Jacksonville housing in brief
According to the Census Bureau, the typical home in Jacksonville went up around 1980. Roughly 50% of the housing stock predates 1980 and 19% is from 2000 onward. Homeowners in Jacksonville report a median value of $119,800. That is below the Cherokee County median of $169,300. Your dwelling limit should be built from square footage, materials and local labor costs rather than what the house would sell for.
Local offices for Jacksonville homeowners
Jacksonville is in Cherokee County. Cherokee County makes up part of the Jacksonville micropolitan area. Head about 25 miles from Jacksonville and you reach Tyler, the nearest larger city.
Insurers often check the appraisal district record, so confirm that what the Cherokee district shows at www.cherokeecad.com matches your home. The district office address is 107 E. 6th St. Rusk, TX 75785-1101. Jacksonville is covered by the NWS Shreveport, LA forecast office, which issues local watches and warnings. The associated NEXRAD radar is KSHV.
Jacksonville hazard and coverage questions
Is hail a big risk for Jacksonville roofs?
NOAA’s Storm Events Database lists 45 hail reports in Cherokee County from 2016 through 2025, 39 of them with stones an inch or larger. FEMA’s National Risk Index rates the county’s hail risk relatively low. Roof age, roof material and the wind and hail deductible drive most of the price difference between quotes.
Is foundation movement covered for Jacksonville homes?
Generally no. Settling and earth movement are excluded on most homeowners forms, even though drought, rated relatively moderate in Cherokee County by FEMA, can move foundations. A covered water leak that damages the slab may be the exception.
How do wind and hail deductibles work in Jacksonville?
A percentage deductible is calculated on your dwelling limit; for example, 2% of a $300,000 dwelling limit is $6,000 out of pocket per wind or hail claim. A flat-dollar deductible usually costs more in premium but is easier to budget. Cherokee County logged 39 reports of hail an inch or larger from 2016 through 2025, so run the numbers both ways.
Is windstorm insurance through TWIA an option in Jacksonville?
No, Cherokee 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.
Request a Jacksonville 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. The two price cards are modeled estimates from Texas Insurance Resources, not quotes.
- Comparison figures: Cherokee County value, Cherokee County build year
- Census ACS 2020–2024, Jacksonville city: year built, tenure, home value, population, structure type, median year built
- Storm Events Database (NOAA), Cherokee County
- Disaster declarations (FEMA), Cherokee County
- National Risk Index (FEMA), Cherokee County
- FEMA Community Status Book
- OpenFEMA NFIP data, Cherokee County
- Texas property tax directory, Cherokee County
- Comptroller 2024 regions
- Census metro delineation
- Census Gazetteer files
- NWS Shreveport, LA
- TWIA coverage area