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Home Insurance in Jefferson, TX
FEMA rates strong wind and ice storms as the leading natural hazards for Marion County. Here is the storm, flood and wind record that shapes home insurance in Jefferson.
$3,916/yr
About $326/mo · ~$300k-$400k dwelling class
$2,173/yr
About $181/mo after modeled shopping discount
About 44.5% below local market estimate
Jefferson hazard snapshot
Marion County lands in the very low category of FEMA’s National Risk Index. Hazard by hazard, the strongest scores are for strong wind (relatively high), ice storms (relatively high) and drought (relatively moderate).
FEMA rates strong wind relatively high; shingles, fences and carports are the usual casualties.
With ice storms rated relatively high, limbs on roofs and downed fences are the typical claims.
FEMA rates drought relatively moderate; watering around the foundation in dry months helps, since settling damage is usually excluded.
Ten years of storm reports in Marion County
Marion County had 11 hail reports in NOAA’s storm records for 2016 through 2025. Of these, 9 reached at least one inch in diameter. On March 11, 2018, observers reported hail as large as 1.75 inches. Marion County saw 4 tornadoes in NOAA’s 2016 to 2025 records, topped by an EF2 on January 21, 2017.
NOAA also lists 32 thunderstorm wind events, the strongest estimated near 90 mph. Flash floods account for 2 more entries in the decade.
Since 2000, Marion County has been included in 9 federal major disaster declarations for natural hazards. Among the most recent are Hurricane Beryl (2024), Severe Winter Storms (2021) and Severe Storms, Tornadoes, and Flooding (2016).
Wind and hail coverage in Jefferson
There is no TWIA option in Marion County, so the homeowners carrier handles wind and hail, and its deductible for those perils can differ from the all-other-perils deductible.
Flood risk and coverage for Jefferson
NFIP flood policies are available in Jefferson, a participating community. The flood insurance rate map in effect was issued in October 1982. Flood coverage is far from universal: 11 residential NFIP policies in Marion County, or about 1 per 388 homes. Policyholders in the county have filed 16 NFIP claims since 2016. Remember that flood is excluded from homeowners policies and NFIP coverage usually starts 30 days after purchase.
Your flood zone is a quick search away on the FEMA Flood Map Service Center.
The homes behind the risk
According to the Census Bureau, the typical home in Jefferson went up around 1979. About 53% of homes went up before 1980, while 6% were built in 2000 or later. Survey samples in Jefferson are small, so use the Marion County median home value of $101,500 as a rough guide. Sale prices and rebuild costs can diverge in either direction, which is why carriers run their own replacement-cost estimate for the dwelling limit.
Local offices for Jefferson homeowners
The county for Jefferson is Marion County. By federal definition Marion County is rural, outside every metro and micro area. Jefferson lies northeast of Longview, around 29 miles away in a straight line.
Your property record, including square footage and year built, is on the Marion appraisal district site at www.marioncad.org (phone 903-665-2519). You can also visit the office at 801 North Tuttle St. Jefferson, TX 75657. Watches and warnings for Jefferson are issued by NWS Shreveport, LA. The associated NEXRAD radar is KSHV.
Questions about weather risk in Jefferson
How often does it hail around Jefferson?
NOAA’s Storm Events Database lists 11 hail reports in Marion County from 2016 through 2025, 9 of them with stones an inch or larger. FEMA’s National Risk Index rates the county’s hail risk relatively low. Keep photos of your roof’s condition so a future claim is easier to document.
Are tornadoes covered on a Jefferson home policy?
Yes. Tornadoes fall under the windstorm peril, so the wind and hail deductible applies. Marion County had 4 tornadoes in NOAA’s 2016 to 2025 records, which is a good reason to check your dwelling, other-structures and debris-removal limits.
Is foundation movement covered for Jefferson homes?
Generally no. Settling and earth movement are excluded on most homeowners forms, even though drought, rated relatively moderate in Marion County by FEMA, can move foundations. A covered water leak that damages the slab may be the exception.
Is flood insurance available in Jefferson?
Homeowners policies exclude flood, so it takes a separate NFIP or private flood policy. Jefferson is an NFIP community, and its current flood map took effect in October 1982. In Marion County, about 1 in 388 homes has an NFIP policy. Buy early, because NFIP coverage generally starts 30 days after purchase.
Request a Jefferson homeowners quote
Texas Insurance Resources shops multiple carriers for you. Call 800-875-4711 or start online.
Sources and methodology
Data reflects the most recent releases available in October 2026; survey figures carry margins of error. Price estimates near the top are Texas Insurance Resources models for comparison, not quotes or published averages.
- Community Status Book (NFIP)
- NOAA Storm Events Database, Marion County
- Census Bureau ACS five-year data, Jefferson city: population, tenure, structure type, year built, median year built, home value
- Disaster declarations (FEMA), Marion County
- NWS Shreveport, LA
- Census metro delineation
- Census Gazetteer coordinates
- Texas Windstorm Insurance Association
- Comptroller county directory, Marion County
- Benchmarks: Marion County value, Marion County build year
- OpenFEMA flood insurance data, Marion County
- Texas Comptroller regions
- FEMA NRI county ratings, Marion County