Home Insurance in Lufkin, Texas
With a median home value of $179,600, Lufkin is 10% higher than the Angelina County median.
The typical home in Lufkin was built around 1981. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 20% of homes were built before 1960, about 6 points above Angelina County's 14%.
The housing stock in Lufkin is 68% single-family homes, 21% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Lufkin, about 49% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Lufkin has an owner-occupancy rate of 52% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
60% of homes in Lufkin are primarily heated with electricity.
What's the biggest home insurance risk near Lufkin? FEMA's National Risk Index points to strong wind (Relatively High) in Angelina County and Angelina County had 384 active NFIP flood policies as of September 2026. See the full Angelina County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Texas carries a statewide average premium of $2,864 per year.
15 licensed insurance agencies serve this area.
Key figures
| Median home value | $179,600 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Angelina County | 384 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Lufkin
- ALAMO INSURANCE SERVICES LLC, Lufkin (General Lines Agency)
- DON BRILEY INSURANCE LLC, Lufkin (General Lines Agency)
- JAY JACKSON INSURANCE AGENCY, INC., Lufkin (General Lines Agency)
- JEREMY BRANSKE AGENCY INC, Lufkin (General Lines Agency)
- JP SHAW INSURANCE AGENCY, INC., Lufkin (General Lines Agency)
- LUMBERMEN'S INSURANCE AGENCY INC, Lufkin (General Lines Agency)
- MORGAN INSURANCE AGENCY, LTD., Lufkin (General Lines Agency)
- R & S INSURNACE AGENCY, LLC, Lufkin (General Lines Agency)
- RAY AND ALISHA ALLEN INSURANCE AGENCY LLC, Lufkin (General Lines Agency)
- SPOUDAIOS LLC, Lufkin (General Lines Agency)
- SWAIN AND BALDWIN INSURANCE, LLC, Lufkin (General Lines Agency)
- TAM-GP, LLC, Lufkin (General Lines Agency)
- TERRY VARNER INSURANCE SERVICES, LLC, Lufkin (General Lines Agency)
- W&W ENTERPRISE LLC, Lufkin (General Lines Agency)
- WTI BOYD COMPANY, Lufkin (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)
- Texas Department of Insurance - licensed agencies (2026)