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Home Insurance in Junction, TX
Shopping for coverage in Junction? Work through these steps in order and you will compare quotes on equal terms.
A six-step plan for insuring a Junction home
- Pull your property record. Your property record, including square footage and year built, is on the Kimble appraisal district site at www.kimblecad.org (phone 325-446-3717). Its office is at 509 College St. Junction, TX 76849.
- Price the rebuild, not the sale. The median owner-estimated home value in Junction is $151,900. That is below the Kimble County median of $201,300. Your dwelling limit should be built from square footage, materials and local labor costs rather than what the house would sell for.
- Choose a wind and hail deductible. Hail turned up 43 times in Kimble County in NOAA’s database between 2016 and 2025. In 42 cases the hail was an inch across or bigger. The largest reported hail was 2.75 inches on March 24, 2021. A higher deductible lowers premium, but make sure you could pay it after a storm.
- Confirm who covers wind. Kimble 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.
- Look at flood separately. Junction participates in the National Flood Insurance Program, so NFIP policies are available to residents. The effective FEMA flood map for the community is from November 1997. Across Kimble County, 40 residential NFIP policies were in force, roughly 1 for every 56 homes. Since homeowners forms exclude flood, plan ahead: most NFIP policies only take effect after a 30-day waiting period. Your flood zone is a quick search away on the FEMA Flood Map Service Center.
- Line up quotes side by side. Use identical limits and deductibles across quotes so price differences are real. Request Junction quotes from several carriers through one form.
$3,331/yr
About $278/mo · ~$300k-$400k dwelling class
$1,939/yr
About $162/mo after modeled shopping discount
About 41.8% below local market estimate
Local figures for your Junction quote
Taking all natural hazards together, FEMA rates Kimble County very low. The individual hazards that stand out are lightning (relatively high) and drought (relatively moderate).
Junction and its housing
Kimble County is home to Junction. Kimble County is outside any federally defined metro or micro area. The nearest bigger city is San Angelo, about 77 miles from Junction as the crow flies.
Owners live in 69% of occupied homes, and detached single-family houses account for about 71% of the stock. About 12% of units are manufactured homes, which typically need a policy built for that construction type. 1970 is the median year built for housing units in Junction. Pre-1980 houses are about 67% of the stock, and post-2000 houses about 9%.
The NWS San Angelo, TX office handles forecasts and storm warnings for Junction. The radar the weather service assigns to this point is KSJT.
Before you buy in Junction
How often should I shop coverage in Junction?
Compare quotes a few weeks before renewal, and any time you replace the roof or add a structure.
Is homeowners coverage mandatory for Junction homeowners?
Only your lender can require it; Texas itself does not. If the home is paid off, the choice is yours, but one serious storm or fire can cost far more than years of premiums.
Is a percentage deductible a good idea in Junction?
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 42 reports of inch-plus hail in Kimble County from 2016 through 2025, it is worth pricing both options.
Are tornadoes covered on a Junction home policy?
Yes. Tornadoes fall under the windstorm peril, so the wind and hail deductible applies. Kimble County had 3 tornadoes in NOAA’s 2016 to 2025 records, which is a good reason to check your dwelling, other-structures and debris-removal limits.
Request a Junction homeowners quote
Talk to a licensed Texas Insurance Resources agent at 800-875-4711, or get a quote online.
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.
- Census CBSA delineation
- Census Gazetteer files
- FEMA declared disasters, Kimble County
- Community Status Book (NFIP)
- Comptroller economic regions
- American Community Survey 2020–2024, Junction city: population, median year built, tenure, year built, structure type, home value
- TWIA eligibility
- Comparison figures: Kimble County value, Kimble County build year
- NWS San Angelo, TX
- FEMA National Risk Index, Kimble County
- Comptroller county directory, Kimble County
- NOAA NCEI storm reports, Kimble County
- OpenFEMA flood insurance data, Kimble County