Home Insurance in Lavon, Texas
The median home value in Lavon is $394,300, 17% lower than the Collin County median.
The typical home in Lavon was built around 2009. About 0% of homes were built before 1960, about 2 points below Collin County's 2%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Lavon, the housing stock is 99% single-family homes.
In Lavon, about 80% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 90% of occupied homes in Lavon are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Lavon - 66% - are primarily heated with electricity.
FEMA rates Collin County's overall risk as Relatively High, led by tornado (Very High). Collin County had 1,589 active NFIP flood policies as of September 2026. See the full Collin 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 4 licensed insurance agencies.
Key figures
| Median home value | $394,300 |
|---|---|
| Median year built | 2009 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 80% |
| Top county hazard | Tornado (Very High) |
| Active NFIP policies in Collin County | 1,589 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Lavon
- ALLOY INSURANCE TEAM LLC, Lavon (General Lines Agency)
- LAVON INSURANCE AGENCY LLC, Lavon (General Lines Agency)
- RH AGENCY CORPORATION, Lavon (General Lines Agency)
- THE GOODE AGENCY LLC, Lavon (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)