Home Insurance in Lovelady, Texas
Homes in Lovelady carry a median value of $126,800 - 23% lower than the Houston County median.
The typical home in Lovelady was built around 1978. About 20% of homes were built before 1960, about 2 points above Houston County's 18%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Lovelady, the housing stock is 67% single-family homes and 33% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Lovelady, about 51% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Lovelady has an owner-occupancy rate of 82% and a vacancy rate of 22%; unoccupied homes typically need a different coverage form.
In Lovelady, 64% of homes 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.
Houston County had 72 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Low). See the full Houston 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).
1 licensed insurance agencies serve this area.
Key figures
| Median home value | $126,800 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Houston County | 72 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Lovelady
- SIGNATURE HAVEN CONSULTING LLC, Lovelady (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)