Home Insurance in Lindsay, Texas
The median home value in Lindsay is $352,300, 47% higher than the Cooke County median.
The typical home in Lindsay was built around 2001. About 10% of homes were built before 1960, about 10 points below Cooke County's 20%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Lindsay, the housing stock is 100% single-family homes.
In Lindsay, about 47% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 88% of occupied homes in Lindsay are owner-occupied.
Most homes in Lindsay - 59% - are primarily heated with electricity.
Cooke County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. Cooke County had 188 active NFIP flood policies as of September 2026. See the full Cooke 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).
1 licensed insurance agencies serve this area.
Key figures
| Median home value | $352,300 |
|---|---|
| Median year built | 2001 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Cooke County | 188 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Lindsay
- DOUGHERTY INNOVATIONS LLC, Lindsay (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)