Home Insurance in Eagle Lake, Texas
Homes in Eagle Lake carry a median value of $137,900 - 34% lower than the Colorado County median.
The typical home in Eagle Lake was built around 1965. About 41% of homes were built before 1960, about 13 points above Colorado County's 28%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Eagle Lake is 80% single-family homes, 1% apartments in buildings with 5+ units and 10% mobile or manufactured homes.
37% of owner-occupied homes in Eagle Lake carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 72% of occupied homes in Eagle Lake are owner-occupied. The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Eagle Lake - 53% - are primarily heated with natural gas.
What's the biggest home insurance risk near Eagle Lake? FEMA's National Risk Index points to hurricane (Relatively Moderate) in Colorado County and Colorado County had 349 active NFIP flood policies as of September 2026. See the full Colorado County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
1 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $137,900 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 37% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Colorado County | 349 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Eagle Lake
- EAGLE LAKE INSURANCE ASSOCIATES, INC, Eagle Lake (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)