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Home Insurance in Premont, TX
What Premont houses look like on paper, including age, type and value, and how each detail feeds into a homeowners quote.
What Premont housing looks like
Owners live in 58% of occupied homes, and detached single-family houses account for about 73% of the stock. Census counts roughly 29% of units as vacant, including seasonal homes, and many policies restrict coverage when a house sits unoccupied for an extended period.
How age and construction affect a Premont quote
Half of the housing in Premont dates from 1974 or earlier, per Census estimates. Homes built before 1980 make up about 61% of the total; those built since 2000 account for 8%. With a stock this mature, insurers often want the roof age and the year the electrical panel and plumbing were last updated before they bind coverage.
$4,971/yr
About $414/mo · ~$300k-$400k dwelling class
$2,868/yr
About $239/mo after modeled shopping discount
About 42.3% below local market estimate
Market value versus rebuild cost in Premont
The median owner-estimated home value in Premont is $89,800. Across Jim Wells County the median is $123,600. 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.
What each coverage does for Premont owners
Pays to rebuild the house itself. Set it from a replacement-cost estimate, not the sale price or tax value.
Detached garages, fences, sheds and workshops, often set at 10% of Coverage A by default.
Furniture, clothing and electronics. Replacement-cost settlement pays more than actual cash value after a loss.
Loss of use. After a large storm, contractor backlogs can stretch repairs, so this limit matters.
Legal defense and damages if someone is hurt on your property or you damage someone else’s.
Small medical bills for guests injured at your home, regardless of fault.
Storm and flood context for Premont
The National Risk Index from FEMA scores Jim Wells County as relatively moderate for combined natural-hazard risk. Its leading hazards, by rating, are hurricanes (relatively high), cold waves (relatively high) and hail (relatively moderate). NOAA’s Storm Events Database logs 6 hail reports in Jim Wells County from 2016 through 2025. Stones of one inch or more showed up in 5 of the reports. The top report was 2-inch hail on May 6, 2025.
There is no TWIA option in Jim Wells County, so the homeowners carrier handles wind and hail, and its deductible for those perils can differ from the all-other-perils deductible. Look up your address on the FEMA Flood Map Service Center to see your flood zone.
Records to check before you quote
Insurers often check the appraisal district record, so confirm that what the Jim Wells district shows at www.jimwellscad.org matches your home. The district office address is 1600 E. Main St., Ste. 100 Alice, TX 78332-4096.
Premont belongs to Jim Wells County. The Alice micropolitan area includes Jim Wells County. Head about 64 miles from Premont and you reach Corpus Christi, the nearest larger city.
Premont housing and coverage questions
Does the age of Premont housing affect insurance?
Half the homes were built by 1974, and roughly 61% are pre-1980, according to the Census Bureau. Older systems mean more underwriting questions, so have dates for the roof, panel and plumbing ready.
Do I have to carry homeowners insurance in Premont?
No Texas law requires it, but mortgage lenders almost always do, and they can buy costly force-placed coverage if your policy lapses.
Is flood insurance available in Premont?
Homeowners policies exclude flood, so it takes a separate NFIP or private flood policy. Premont is an NFIP community, and its current flood map took effect in August 2017. In Jim Wells County, about 1 in 34 homes has an NFIP policy. New NFIP policies usually take 30 days to start.
What home details should I have ready for a Premont quote?
Start at www.jimwellscad.org, the Jim Wells appraisal district site, for size, year built and improvement records. Add your roof replacement date and any updates to complete the picture.
Ready to price your Premont home?
Talk to a licensed Texas Insurance Resources agent at 800-875-4711, or get a quote online.
Sources for this Premont page
All public data on this page was pulled in October 2026. Census numbers are survey estimates. Price estimates near the top are Texas Insurance Resources models for comparison, not quotes or published averages.
- Census CBSA delineation
- Gazetteer (Census)
- Comptroller county directory, Jim Wells County
- Census ACS 2020–2024, Premont city: tenure, home value, structure type, median year built, population, year built
- National Risk Index (FEMA), Jim Wells County
- NFIP data (OpenFEMA), Jim Wells County
- Texas Comptroller regions
- NOAA Storm Events Database, Jim Wells County
- NFIP Community Status Book
- Comparison figures: Jim Wells County value, Jim Wells County build year
- TWIA eligibility