Home Insurance in Lamesa, Texas
The median home value in Lamesa is $95,000, 8% lower than the Dawson County median.
The typical home in Lamesa was built around 1963. About 44% of homes were built before 1960, about 1 point above Dawson County's 42%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Lamesa is 89% single-family homes, 6% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Lamesa, about 36% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 69% of occupied homes in Lamesa are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Lamesa, 70% of homes are primarily heated with natural gas.
Dawson County had 11 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Dawson 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).
9 licensed insurance agencies serve this area.
Key figures
| Median home value | $95,000 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Dawson County | 11 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Lamesa
- ADDISON CROP INSURANCE AGENCY, LTD., Lamesa (General Lines Agency)
- LOUIS ADDISON INSURANCE AGENCY INC, Lamesa (General Lines Agency)
- MATLOCK AND ASSOCIATES INC, Lamesa (General Lines Agency)
- MATLOCK CROP INSURANCE AGENCY, INC., Lamesa (General Lines Agency)
- NGT PARTNERSHIP, Lamesa (General Lines Agency)
- SOUTHERN CROP INSURANCE LLC, Lamesa (General Lines Agency)
- SWAFFORD INSURANCE SERVICES INC, Lamesa (General Lines Agency)
- WEST TEXAS INSURANCE AGENCY, LLC, Lamesa (General Lines Agency)
- WHITTENBURG CROP SERVICES, L.L.C., Lamesa (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)