Home Insurance in Ladonia, Texas
With a median home value of $78,300, Ladonia is 66% lower than the Fannin County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Ladonia was built around 1967. About 45% of homes were built before 1960, about 25 points above Fannin County's 20%.
In Ladonia, the housing stock is 91% single-family homes, 1% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
24% of owner-occupied homes in Ladonia carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 28%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 70% of occupied homes in Ladonia are owner-occupied.
56% of homes in Ladonia are primarily heated with electricity.
What's the biggest home insurance risk near Ladonia? FEMA's National Risk Index points to tornado (Relatively Moderate) in Fannin County and Fannin County had 146 active NFIP flood policies as of September 2026. See the full Fannin 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 are listed for this area.
Key figures
| Median home value | $78,300 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 24% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Fannin County | 146 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Ladonia
- J N K INNOVATIONS LLC, Ladonia (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)