Home Insurance in Luling, Texas
The median home value in Luling is $210,300, 13% lower than the Caldwell County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Luling was built around 1970. About 30% of homes were built before 1960, about 14 points above Caldwell County's 16%.
In Luling, the housing stock is 71% single-family homes, 9% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Luling, about 45% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 64% of occupied homes in Luling are owner-occupied.
Most homes in Luling - 75% - are primarily heated with electricity.
Caldwell County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. Caldwell County had 250 active NFIP flood policies as of September 2026. 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).
2 licensed insurance agencies serve this area.
Key figures
| Median home value | $210,300 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 45% |
| 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 Luling
- BOYD MAXWELL INSURANCE AGENCY LLC, Luling (General Lines Agency)
- TRESNER & JANICEK INSURANCE AGENCY, INC., Luling (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)