Home Insurance in Fayette County, Texas
With a median home value of $293,900, Fayette County is close to the Texas median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Fayette County was built around 1984. About 27% of homes were built before 1960, about 15 points above Texas's 12%.
In Fayette County, the housing stock is 80% single-family homes, 4% apartments in buildings with 5+ units and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Fayette County, about 35% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 79% of occupied homes in Fayette County are owner-occupied. The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Fayette County - 71% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists hurricane (Relatively Low), tornado (Relatively Moderate) and hail (Relatively Low) as the leading hazards for Fayette County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Fayette County has 190 active NFIP flood policies on file.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
This area lists 15 licensed insurance agencies.
Key figures
| Median home value | $293,900 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 35% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Low), Tornado (Relatively Moderate), Hail (Relatively Low) |
| Active NFIP flood policies (county) | 190 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Fayette County
- BUBELA INSURANCE PARTNERS, LLC, Schulenburg (General Lines Agency)
- CANOPY INSURANCE GROUP, LLC, La Grange (General Lines Agency)
- CHRISTOPHER J SCHOFIELD, LLC, La Grange (General Lines Agency)
- FAYETTE INSURANCE AGENCY, INC., La Grange (General Lines Agency)
- HOLLAS INSURANCE AGENCY, LLC, Schulenburg (General Lines Agency)
- INSURANCE NETWORK OF TEXAS, INC., La Grange (General Lines Agency)
- KJT INSURANCE SERVICES, LLC, La Grange (General Lines Agency)
- MM SPECIALTY RISK, LLC, Muldoon (General Lines Agency)
- PRIMROSE INSURANCE AGENCY, LLC., La Grange (General Lines Agency)
- ROBERTS AND ASSOCIATES LLC, Fayetteville (General Lines Agency)
- ROUND TOP STATE BANK, Round Top (General Lines Agency)
- THE BEAR AGENCY, LLC, La Grange (General Lines Agency)
- TOM BAKER INSURANCE AGENCY INC, Round Top (General Lines Agency)
- WAYNE FAIRCLOTH INSURANCE AGENCY, INC., Schulenburg (General Lines Agency)
- WSB INSURANCE AGENCY INC, Round Top (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
Sources
- 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)