Across Jasper County (32,694 local residents near US-96, US-190; ZIP 75951), 285 active NFIP flood policies, 37 severe thunderstorm wind reports, and 648 businesses (Retail Trade & Dealerships) define residential ($185,800 typical value) and commercial insurance pricing.
Anchored to $185,800 (Zillow ZHVI (Sept 2026)). After 37 severe thunderstorm wind events and 20 federal disaster declarations, model how roof material and percentage wind/hail deductibles ($1,858 at 1% vs. $3,716 at 2%) change out-of-pocket claim costs.
| Metric | Jasper Co. | TX Benchmark | Delta / Rating Signal |
|---|---|---|---|
| NOAA Hail (2016–2025) | 19 events (4.00" max, 2017) | 33 median | -14 vs. TX county median |
| Severe Wind & Tornadoes | 37 wind • 15 tornadoes | 30 wind med. | +7 wind events (77.9% rural area) |
| FEMA NFIP Penetration | 285 policies (6.0% SFHA) | 504,754 TX total | 708 of 11,723 homes in SFHA |
| Disaster Declarations (20-Yr) | 20 federal events | FEMA Title V | Latest: Severe Storms, Straight-Line Winds, Tornadoes, And Flooding (2024) |
| Typical Dwelling Value | $185,800 | $206,100 med. | 0.90× TX county median (-0.9% pop.) |
| Owner / Renter Split | 79.6% Own / 20.4% Rent | 62.4% / 37.6% | -17.2 pts renter share ($50,763 med. inc.) |
| Commute & Corridors | 80.2% solo (41.2% 30m+) | 38.9% 30m+ | Routes: US-96, US-190, SH-63, FM-1005 |
| Traffic Fatality Index | 30.4 / 100k | 13.5 / 100k | 2.25× statewide crash mortality |
| Private Businesses (CBP) | 648 establishments | NAICS census | Retail Trade & Dealerships (135); Healthcare & Medical Practices (77); Auto Repair, Equipment & Personal Services (72) |
| Appraisal & Jurisdiction | Jasper County Appraisal District | Southeast | FIPS 48241 • 938.7 sq. mi. |
Pine canopy windthrow from 37 severe thunderstorm wind events (2016–2025) and 77.9% rural territory make tree-removal sublimits, roof RCV, and ISO fire-hydrant distance key rating variables on $185,800 dwellings across Jasper County.
Many captive insurers decline manufactured homes or rural acreage outside city limits. Our specialty markets write HUD-code mobile homes, tied-down ranch dwellings, and detached workshops.
Tropical rainfall events (Severe Storms, Straight-Line Winds, Tornadoes, And Flooding (2024)) inundate East Texas river bottoms and low-water crossings along US-96, US-190. Pair Comprehensive + UM/UIM auto policies with standalone NFIP or private flood.
Supporting 135 Retail Trade & Dealerships businesses and Healthcare & Medical Practices operators along US-96, US-190, we quote commercial truck fleets, General Liability COIs, Inland Marine equipment floaters, and Workers' Comp.
All incorporated places and residential ZCTAs across 938.7 sq. miles (75951, 77612, 75956, 75931, 77662, 75980):
| Place | ZIP | Population | Type |
|---|---|---|---|
| Jasper | Shared ZCTA | 7,070 | County Seat |
| Kirbyville | 75956 | 2,405 | CITY |
| Buna | 77612 | 1,689 | CDP |
| Evadale | 77612 | 1,168 | CDP |
| Sam Rayburn | 75931 | 1,100 | CDP |
| Browndell | 75931 | 102 | CITY |
Yes—across Jasper County (19 decade hail events; 37 wind events), certified UL 2218 Class 4 impact shingles and metal roofs typically qualify for 10%–22% wind/hail credits, provided you review whether the carrier attaches a cosmetic hail-dent exclusion.
With 77.9% rural territory across Jasper County, carriers price dwelling fire risk using distance to the nearest responding fire station (within 5 road miles) and hydrant (within 1,000 feet). Homes outside municipal hydrants often clear best through regional mutual and specialty carriers.
Only if your vehicle carries Comprehensive (Other Than Collision) coverage. Collision-only or liability-only policies pay nothing for animal strikes, windshield hail cracks (4.00" peak county stone), theft, or flash-flood submergence.
Under Texas Labor Code §406.005, private employers may elect non-subscriber status, though general contractors and commercial leases across 648 local firms frequently require statutory Workers' Comp and Waiver of Subrogation before site access.
Our TDI-licensed producers quote 24 personal, property, flood, recreational, commercial fleet, contractor, and surety lines digitally across postal area 75951 and statewide. We do not write life insurance, pet insurance, or standalone coastal TWIA windstorm policies.
Digital intake for Jasper County • Bundle Personal, Property, Flood, or Commercial.
