Home Insurance in La Ward, Texas
With a median home value of $90,000, La Ward is 56% lower than the Jackson County median.
The typical home in La Ward was built around 1989. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 6% of homes were built before 1960, about 20 points below Jackson County's 26%.
The housing stock in La Ward is 33% single-family homes and 67% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In La Ward, about 15% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
La Ward has an owner-occupancy rate of 29% and a vacancy rate of 41%; unoccupied homes typically need a different coverage form.
In La Ward, 96% of homes are primarily heated with electricity.
Jackson County had 498 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively High). See the full Jackson 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 home value | $90,000 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 29% |
| Share of owner-occupied homes with a mortgage | 15% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Jackson County | 498 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
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)