Home Insurance in Flatonia, Texas
The median home value in Flatonia is $200,400, 32% lower than the Fayette County median.
The typical home in Flatonia was built around 1981. About 34% of homes were built before 1960, about 7 points above Fayette County's 27%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Flatonia, the housing stock is 72% single-family homes, 2% apartments in buildings with 5+ units and 19% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
23% of owner-occupied homes in Flatonia carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Flatonia has an owner-occupancy rate of 79% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
Most homes in Flatonia - 84% - 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.
Fayette County had 190 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Low). See the full Fayette 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 | $200,400 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 23% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Fayette County | 190 |
| 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)