Home Insurance in Lumberton, Texas
Homes in Lumberton carry a median value of $291,900 - 42% higher than the Hardin County median.
The typical home in Lumberton was built around 2001. About 4% of homes were built before 1960, about 7 points below Hardin County's 11%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Lumberton, the housing stock is 83% single-family homes, 8% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 59% of owner-occupied homes in Lumberton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 86% of occupied homes in Lumberton are owner-occupied.
62% of homes in Lumberton are primarily heated with electricity.
FEMA rates Hardin County's overall risk as Relatively Low, led by hurricane (Relatively Moderate). Hardin County had 2,662 active NFIP flood policies as of September 2026. See the full Hardin County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
This area lists 6 licensed insurance agencies.
Key figures
| Median home value | $291,900 |
|---|---|
| Median year built | 2001 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Hardin County | 2,662 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Lumberton
- AARIN PENRY INSURANCE AGENCY LLC, Lumberton (General Lines Agency)
- AMERICAN RELIABLE INSURANCE AGENCY INC, Lumberton (General Lines Agency)
- BHI SERVICES, LLC, Lumberton (General Lines Agency)
- SHANNON MARTIN INSURANCE AGENCY LLC, Lumberton (General Lines Agency)
- TEXAS BUSINESS ASSOCIATES GP, Lumberton (General Lines Agency)
- W W HOUSE, INC, Lumberton (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)