Surrounded by East Texas timberlands along US-96, US-190 (county-wide (Southeast Region); 7,070 residents; postal code 75951), 37 decade windstorms, 20 disaster declarations, and 77.9% rural fire-district territory shape $163,300 home, mobile-home, flood, and timber-fleet quotes.
Anchored to $163,300 (Zillow City ZHVI (Sept 2026)). After 37 severe thunderstorm wind events and 20 federal disaster declarations, model how roof material and percentage wind/hail deductibles ($1,633 at 1% vs. $3,266 at 2%) change out-of-pocket claim costs.
| Metric | FIPS 48241 territory | 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 | $163,300 | $206,100 med. | 0.79× 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 | Local 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 $163,300 dwellings across county-wide (Southeast Region).
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.
Spanning 938.7 sq. miles across county-wide (Southeast Region), nearby communities share regional storm and court-venue rating factors:
| Place | ZIP | Population | Type |
|---|---|---|---|
| Jasper | 75951 | 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 |
Following 19 NOAA hail reports (peaking at 4.00" in 2017) and 37 high-wind gusts across county-wide (Southeast Region), many carriers depreciate roofs older than 12–15 years onto Actual Cash Value (ACV) schedules. Comparing full Replacement Cost (RCV) carriers alongside $1,633 (1%) vs. $3,266 (2%) deductibles prevents surprise claim gaps.
With 77.9% rural territory across county-wide (Southeast Region), 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.
Texas Transportation Code Ch. 601 sets 30/60/25 statutory minimums, but county-wide (Southeast Region) posts a 30.4 per-100k roadway fatality rate and 41.2% 30+ minute commutes. Selecting 100/300/100 with PIP (§1952.152) and UM/UIM (§1952.101) prevents personal wage or asset exposure.
Personal auto policies exclude commercial tool delivery, snow/debris hauling, or higher-rated business use for 135 local Retail Trade & Dealerships operators. Commercial Auto or Hired & Non-Owned Auto (HNOA) keeps business liability intact.
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 • Bundle Personal, Property, Flood, or Commercial.
