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Home Insurance in Jasper, TX
How Jasper homes and hazards compare with Jasper County and Texas as a whole, and what the differences mean for your policy.
$5,838/yr
About $486/mo · ~$300k-$400k dwelling class
$3,398/yr
About $283/mo after modeled shopping discount
About 41.8% below local market estimate
Jasper compared with Jasper County and Texas
| Measure | Jasper | Jasper County | Texas |
|---|---|---|---|
| Median home value | $130,100 | $136,400 | $283,800 |
| Median year built | 1978 | 1987 | 1992 |
| Owner-occupied homes | 57% | 79% | 63% |
| Single-family detached | 46% | 49% | 64% |
| Built before 1980 | 55% | 39% | 33% |
| Built 2000 or later | 18% | 27% | 39% |
| Manufactured homes | 13% | 28% | 6% |
Jasper’s homes skew older than the county as a whole: median year built 1978, compared with 1987 across Jasper County. Owner-occupancy is lower than the county figure (57% versus 79%). Manufactured homes are less common in Jasper (13% of units) than across Jasper County (28%).
Homeowners in Jasper report a median value of $130,100. That is close to the Jasper County median of $136,400. Market value includes land and location, so it is not the same as the cost to rebuild; insure the dwelling to a replacement-cost estimate instead.
Jasper County hazards and storm counts
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Relatively Low | 19 hail reports |
| Tornadoes | Relatively Moderate | 15 tornadoes |
| Strong wind | Relatively Moderate | 37 thunderstorm wind reports |
| Inland flooding | Relatively Low | 21 flash floods |
| Hurricanes | Relatively Moderate | – |
| Wildfire | Relatively Low | – |
| Winter weather | Relatively Low | – |
| Drought | Relatively Low | – |
| Lightning | Relatively Moderate | – |
FEMA’s county-level National Risk Index puts Jasper County in the relatively low band overall. The highest-rated individual hazards are tornadoes (relatively moderate), hurricanes (relatively moderate) and strong wind (relatively moderate).
Natural hazards have put Jasper County in 15 federal major disaster declarations since 2000. The latest declarations were Hurricane Beryl (2024), Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024) and Severe Winter Storms (2021).
Turning the Jasper numbers into coverage choices
- Wind coverage in Jasper County stays inside the homeowners policy because the county is outside TWIA’s coastal territory; compare the wind/hail deductible on every quote.
- The city takes part in the National Flood Insurance Program, which makes federal flood policies available. Its flood map now in force took effect in December 2010. Flood coverage is far from universal: 285 residential NFIP policies in Jasper County, or about 1 per 41 homes. Since 2016, 123 NFIP flood claims have come from Jasper County. A homeowners policy will not pay for rising water; flood is a separate policy, and NFIP coverage typically takes 30 days to begin.
- 1978 is the median year built for housing units in Jasper. Pre-1980 houses are about 55% of the stock, and post-2000 houses about 18%. 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.
Where to verify Jasper details
Before you request quotes, pull your record from the Jasper appraisal district at www.jaspercad.org; the Texas Comptroller’s Jasper County directory lists its contact details. You can also visit the office at 137 N. Main St. Jasper, TX 75951-4111. For local warnings, the responsible National Weather Service office is NWS Lake Charles, LA. Radar coverage comes from the KPOE site.
For county-level data, Jasper falls under Jasper County. By federal definition Jasper County is rural, outside every metro and micro area. The nearest bigger city is Beaumont, about 59 miles from Jasper as the crow flies.
FAQ: Jasper home insurance
What does FEMA’s risk index say about Jasper County?
FEMA’s National Risk Index rates overall risk in Jasper County as relatively low. Its standout hazards are tornadoes (relatively moderate), hurricanes (relatively moderate) and strong wind (relatively moderate). Those are the perils to ask about when you compare deductibles and endorsements.
Is Jasper in the TWIA coverage area?
No. Jasper County is outside TWIA’s designated catastrophe area, so wind and hail are covered by the homeowners policy itself, usually with a separate wind and hail deductible.
How many major disasters has Jasper County seen?
Since 2000, FEMA has declared 15 natural-hazard major disasters that include Jasper County. The most recent was Hurricane Beryl, declared in July 2024. Federal aid for homeowners is limited and often comes as SBA disaster loans, so insurance remains the main way to recover.
How much dwelling coverage do Jasper homes need?
Enough to rebuild, which is not the same as market value. Census data puts the Jasper median at $130,100, but your dwelling limit should equal what it would cost to rebuild the house at today’s labor and material prices.
Ready to price your Jasper home?
One call to 800-875-4711 or a short online form gets several carriers working on your quote.
Data sources and notes
Figures were retrieved in October 2026 and are estimates with margins of error. Premium figures in the estimate cards are illustrative models, not quotes.
- Comparison figures: Jasper County value, Jasper County build year, Texas value
- American Community Survey 2020–2024, Jasper city: year built, tenure, structure type, home value, population, median year built
- Census CBSA delineation
- Gazetteer (Census)
- TWIA coverage area
- FEMA NRI county ratings, Jasper County
- NWS Lake Charles, LA
- FEMA Community Status Book
- Disaster declarations (FEMA), Jasper County
- OpenFEMA NFIP data, Jasper County
- Texas property tax directory, Jasper County
- NOAA Storm Events Database, Jasper County
- Texas Comptroller regions