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About Jacksonville, TX
Jacksonville has roughly 14,884 residents, located in Cherokee County.
Jacksonville is located in the Cherokee County area, and there routine insurance shopping is shaped more by home characteristics and carrier appetite than by any single landmark.
Local housing is largely single-family homes typical of the Cherokee County area, and replacement cost, roof age, and construction type still explain most premium differences from street to street.
Homes in North Texas are often rated for severe thunderstorms, hail, and tornado risk shared across the Plains.
Average cost of homeowners insurance in Jacksonville
The typical homeowners insurance premium in Jacksonville, TX is about $1,350 annually for a typical local home (typical local home value about $204,000). For a $300,000 dwelling, expect around $1,633 per year; for a $600,000 home about $2,298; and for a $1,000,000 dwelling about $2,990. Freedom Insurance Group rates are often about 39% lower — near $824 per year for a typical home, roughly $996 for a $300,000 home, about $1,402 for a $600,000 home, and around $1,824 for a $1,000,000 home.
| Dwelling Coverage Limits | Average Annual Premium (incl. Windstorm & Hail Coverage) |
|---|---|
| $100,000 – $200,000 | $1,270 |
| $200,000 – $300,000 | $1,419 |
| $300,000 – $400,000 | $1,742 |
| $400,000 – $500,000 | $1,972 |
| $500,000 – $600,000 | $2,195 |
| $600,000 – $700,000 | $2,370 |
| $700,000 – $800,000 | $2,515 |
| $800,000 – $900,000 | $2,705 |
| $900,000 – $1,000,000 | $2,895 |
Band premiums are midpoints on the Jacksonville dwelling curve (typical local home value about $204,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Jacksonville, TX, using a typical local home value of about $204,000. Freedom figures apply an approximate 39% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
How a homeowners policy is built
- Dwelling (Coverage A): It pays to rebuild the structure of your home after a covered loss, and it should track local rebuilding costs today.
- Other structures (Coverage B): This handles buildings set apart from the house, like a fence, shed, or detached garage.
- Personal property (C): Furniture, clothing, and the other things you own in the home fall under this coverage, but some higher-value categories carry special sublimits.
- Coverage D, loss of use: It can help pay additional living expenses when a covered claim makes the home temporarily unlivable during repairs.
- Personal liability (Coverage E): Should you be held legally responsible for bodily injury or property damage to others from a covered event, this coverage steps in.
- Medical payments (F): This coverage can help with guest medical bills for injuries that occur on your property, often without requiring a formal liability claim.
Common discounts for Jacksonville, TX homeowners
| Discount | What it means | Typical amount |
|---|---|---|
| New Home | New construction recently purchased | up to 40% |
| Age of home (5 yrs) | Newer homes | up to 26% |
| Bundle | Home and auto together | up to 25% |
| Upgrades | Electrical, plumbing, heating, roof updates | up to 20% |
| Hail-resistant roof | Class 1–4 impact roof | up to 12% |
| Claims-free | Multi-year claims-free history | up to 5% |
| Security / alarms | Monitored fire or burglar alarm | up to 4% |
| Paid in full | Pay annual premium upfront | up to 7% |
Each carrier chooses its own discount menu and sizes. Read “up to” as the top end, not what everyone gets.
What drives home insurance premiums in Jacksonville
Carriers price a Jacksonville policy quote from several connected factors. Deductible choice and past claims can move the final premium as much as the choice of carrier, but rebuild cost, roof age and material, and storm or wildfire exposure typically matter most.
Consider replacement cost as what rebuilding would cost the house using similar materials at current labor and supply costs. The maximum payout moves with the rebuild estimate, which is why higher figures for Jacksonville properties usually mean higher premiums.
Construction type and roof details play a role too: frame versus masonry walls, roof covering, and overall build quality shape how a property fares in wind, hail, and fire scenarios common across Texas.
Location risk reflects storm, hail, wildfire, and crime scores that can change by ZIP code and neighborhood within Jacksonville, so two homes with similar rebuild costs can still get different prices.
Fire protection considers distance to hydrants and fire stations plus local protection class, and a stronger protection profile can support more competitive pricing.
Claims history still matters a lot: for Jacksonville homes, recent household or property claims often means higher rates for renewals and new business alike.
Credit-based insurance score, where state law permits, is one more factor; stronger scores usually correlate with cheaper premiums when the carrier uses that factor.
Jacksonville homes by the numbers
Tornado history matters here as well: NOAA logged 1 tornado touching down within 10 miles of Jacksonville in 2016–2025, the strongest rated EF1 during November 2025.
ACS 2020–2024 estimates put about 5,385 housing units in Jacksonville, and homeowners occupy close to 61% of the occupied homes. Looking at building types, 67% are detached single-family houses, 24% are in buildings with two or more units, and 6.6% are mobile homes.
Home heating in Jacksonville runs mainly on electricity (54%) and utility gas (41%).
Named places the USGS records in and around Jacksonville include Mittie and Lake View. Each area can price differently because of construction era and roof condition.
The National Risk Index from FEMA shows elevated ratings for tornado (“Relatively Moderate”), winter-weather (“Relatively Moderate”), and strong-wind (“Relatively High”) in Cherokee County.
From 2000 on, Cherokee County has been part of 13 major disaster declarations; the latest is Hurricane Beryl (July 2024).
Jacksonville’s median year built is 1980. Roughly 50% of homes predate 1980, so electrical, plumbing, and roof upgrades are worth documenting for a quote.
NOAA’s Storm Events Database lists 11 hail reports within about 6 miles of Jacksonville from 2016 through 2025, 11 of them one inch or larger. The biggest measured 2 inches in June 2023 around Pomona.
Jacksonville traces its official start to 1872. The Census Bureau counted 13,868 people in Jacksonville at the 2000 Census and 14,544 at the 2010 Census; its July 2024 estimate is 14,639. Numbers have held fairly steady since 2000.
Going further back, NOAA’s Storm Prediction Center counts 46 hail reports within 5 miles of Jacksonville between 1955 and 2015, the largest 2.75 inches on April 11, 1980. Reports of 2-inch or bigger hail number 6 in that span. NOAA Storm Prediction Center records list 12 tornadoes that began within 10 miles of Jacksonville from 1950 through 2015; the most powerful, rated F3, touched down on September 11, 1961.
Shopping around the area? Nearby home insurance pages: Whitehouse (18 mi), Tyler (25 mi), and Palestine (26 mi).
ZIP codes we cover in and around Jacksonville
75766
Jacksonville, TX home & auto bundle savings
Illustrated average bundle savings, not guaranteed. Actual savings vary with the carrier and the drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Jacksonville, Texas | $160 | $240 | $340 |
See more Texas coverage guides
Quote homeowners coverage in Jacksonville, TX
Freedom Insurance Group checks 25+ carriers for Jacksonville households. To get started, request a home quote on our site or dial (800) 253-1482.
