HomeInsuranceQts

Home Insurance in Log Cabin, Texas

The typical home in Log Cabin was built around 1986. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 1% of homes were built before 1960, about 8 points below Henderson County's 9%.

In Log Cabin, the housing stock is 42% single-family homes and 58% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.

46% of owner-occupied homes in Log Cabin carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 84% of occupied homes in Log Cabin are owner-occupied.

Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Log Cabin, 89% of homes are primarily heated with electricity.

FEMA rates Henderson County's overall risk as Relatively Moderate, led by tornado (Relatively High). Henderson County had 239 active NFIP flood policies as of September 2026. See the full Henderson 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.

Key figures

Median year built1986
Owner-occupied share84%
Share of owner-occupied homes with a mortgage46%
Top county hazardTornado (Relatively High)
Active NFIP policies in Henderson County239
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)
Key home insurance figures for Log Cabin, TX

Nearby towns

Sources

Data last updated: 2026-09-29