Home Insurance in Port Lavaca, Texas
The median home value in Port Lavaca is $128,200, 25% lower than the Calhoun County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Port Lavaca was built around 1972. About 28% of homes were built before 1960, about 7 points above Calhoun County's 21%.
In Port Lavaca, the housing stock is 72% single-family homes, 7% apartments in buildings with 5+ units and 9% 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.
About 43% of owner-occupied homes in Port Lavaca have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Port Lavaca has an owner-occupancy rate of 70% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Most homes in Port Lavaca - 63% - are primarily heated with electricity.
FEMA rates Calhoun County's overall risk as Relatively Low, led by hurricane (Relatively Moderate). Calhoun County had 1,737 active NFIP flood policies as of September 2026. See the full Calhoun County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 are listed for this area.
Key figures
| Median home value | $128,200 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Calhoun County | 1,737 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Port Lavaca
- GLOBAL ASSURANCE LLC, Port Lavaca (General Lines Agency)
- LAVACA BAY INSURANCE AGENCY LLC, Port Lavaca (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)