Home Insurance in Robert Lee, Texas
Homes in Robert Lee carry a median value of $65,000 - 45% lower than the Coke County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Robert Lee was built around 1971. About 27% of homes were built before 1960, about 2 points below Coke County's 28%.
The housing stock in Robert Lee is 56% single-family homes, 9% apartments in buildings with 5+ units and 18% 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 21% of owner-occupied homes in Robert Lee have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 55% of occupied homes in Robert Lee are owner-occupied.
Most homes in Robert Lee - 54% - are primarily heated with electricity.
What's the biggest home insurance risk near Robert Lee? FEMA's National Risk Index points to wildfire (Relatively Low) in Coke County and Coke County had 7 active NFIP flood policies as of September 2026. See the full Coke 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).
This area lists 1 licensed insurance agencies.
Key figures
| Median home value | $65,000 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 21% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Coke County | 7 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Robert Lee
- RUSSELL DAVIS INSURANCE SERVICES INC., Robert Lee (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)