Home Insurance in Lorenzo, Texas
Homes in Lorenzo carry a median value of $100,800 - 25% higher than the Crosby County median.
The typical home in Lorenzo was built around 1966. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 38% of homes were built before 1960, about 4 points below Crosby County's 42%.
In Lorenzo, the housing stock is 78% single-family homes, 1% apartments in buildings with 5+ units and 4% 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.
34% of owner-occupied homes in Lorenzo carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 25%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 79% of occupied homes in Lorenzo are owner-occupied.
In Lorenzo, 49% of homes are primarily heated with electricity.
Crosby County had 9 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Crosby 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).
Key figures
| Median home value | $100,800 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 34% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Crosby County | 9 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
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)