Home Insurance in Lone Oak, Texas
With a median home value of $168,000, Lone Oak is 30% lower than the Hunt County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Lone Oak was built around 2000. About 15% of homes were built before 1960, about 5 points above Hunt County's 10%.
In Lone Oak, the housing stock is 81% single-family homes and 18% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 51% of owner-occupied homes in Lone Oak have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 77% of occupied homes in Lone Oak are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
44% of homes in Lone Oak are primarily heated with electricity.
What's the biggest home insurance risk near Lone Oak? FEMA's National Risk Index points to tornado (Relatively High) in Hunt County and Hunt County had 186 active NFIP flood policies as of September 2026. See the full Hunt 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).
2 licensed insurance agencies serve this area.
Key figures
| Median home value | $168,000 |
|---|---|
| Median year built | 2000 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Hunt County | 186 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Lone Oak
- HARVEST CONCEPTS LLC, Lone Oak (General Lines Agency)
- PK SALES, INC., Lone Oak (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)