Home Insurance in Lockhart, Texas
The median home value in Lockhart is $251,600, close to the Caldwell County median.
The typical home in Lockhart was built around 1986. About 23% of homes were built before 1960, about 7 points above Caldwell County's 16%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Lockhart is 73% single-family homes, 9% apartments in buildings with 5+ units and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
46% of owner-occupied homes in Lockhart carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 67% of occupied homes in Lockhart are owner-occupied.
Most homes in Lockhart - 67% - are primarily heated with electricity.
Caldwell County had 250 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively Moderate). See the full Caldwell County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
The statewide average premium for a standard HO-3 homeowners policy in Texas is $2,864 per year, according to the NAIC homeowners insurance report (2023 data).
6 licensed insurance agencies serve this area.
Key figures
| Median home value | $251,600 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Caldwell County | 250 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Lockhart
- CHELSEA KATELYN COX, LLC, Lockhart (General Lines Agency)
- JMJ INSURANCE AGENCY, LLC, Lockhart (General Lines Agency)
- REBECCA PULLIAM INSURANCE AGENCY, INC, Lockhart (General Lines Agency)
- SIMARGL LLC, Lockhart (General Lines Agency)
- THE INSURANCE TEAM AGENCY LLC, Lockhart (General Lines Agency)
- TY WOOTON LLC, Lockhart (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)