Home Insurance in La Grange, Texas
The median home value in La Grange is $338,700, 15% higher than the Fayette County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in La Grange was built around 1972. About 39% of homes were built before 1960, about 12 points above Fayette County's 27%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in La Grange is 73% single-family homes, 10% apartments in buildings with 5+ units and 4% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In La Grange, about 51% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 55% of occupied homes in La Grange are owner-occupied.
66% of homes in La Grange are primarily heated with electricity.
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.
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.
7 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $338,700 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Fayette County | 190 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in La Grange
- 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)
- INSURANCE NETWORK OF TEXAS, INC., La Grange (General Lines Agency)
- KJT INSURANCE SERVICES, LLC, La Grange (General Lines Agency)
- PRIMROSE INSURANCE AGENCY, LLC., La Grange (General Lines Agency)
- THE BEAR AGENCY, LLC, La Grange (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)