HomeInsuranceQts

Home Insurance in Lueders, Texas

With a median home value of $33,500, Lueders is 65% lower than the Jones County median.

Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The median home in Lueders was built in 1939 or earlier. About 73% of homes were built before 1960, about 33 points above Jones County's 40%.

In Lueders, the housing stock is 94% single-family homes and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.

In Lueders, about 15% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

Lueders has an owner-occupancy rate of 91% and a vacancy rate of 35%; unoccupied homes typically need a different coverage form.

50% of homes in Lueders are primarily heated with electricity.

Jones County had 82 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Jones 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).

Key figures

Median home value$33,500
Median year built1939 or earlier
Owner-occupied share91%
Share of owner-occupied homes with a mortgage15%
Top county hazardHail (Relatively Moderate)
Active NFIP policies in Jones County82
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)
Key home insurance figures for Lueders, TX

Nearby towns

Sources

Data last updated: 2026-09-29