Home Insurance in Lott, Texas
With a median home value of $76,300, Lott is 31% lower than the Falls County median.
The typical home in Lott was built around 1977. About 29% of homes were built before 1960, about 1 point above Falls County's 28%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Lott is 56% single-family homes, 13% apartments in buildings with 5+ units and 22% mobile or manufactured homes.
20% of owner-occupied homes in Lott carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Lott has an owner-occupancy rate of 66% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Lott, 49% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Lott? FEMA's National Risk Index points to tornado (Relatively Moderate) in Falls County and Falls County had 2 active NFIP flood policies as of September 2026. See the full Falls County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Texas carries a statewide average premium of $2,864 per year.
1 licensed insurance agencies serve this area.
Key figures
| Median home value | $76,300 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 20% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Falls County | 2 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Lott
- CALIENTE INVESTMENTS, LLC, Lott (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)