Home Insurance in La Salle County, Texas
Homes in La Salle County carry a median value of $97,800 - 66% lower than the Texas median.
The typical home in La Salle County was built around 1984. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 26% of homes were built before 1960, about 13 points above Texas's 12%.
The housing stock in La Salle County is 66% single-family homes, 6% apartments in buildings with 5+ units and 25% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 27% of owner-occupied homes in La Salle County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 27%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 76% of occupied homes in La Salle County 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 La Salle County, 79% of homes are primarily heated with electricity.
FEMA's National Risk Index lists wildfire (Relatively Low), hurricane (Relatively Low) and hail (Very Low) as the leading hazards for La Salle County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, La Salle County has 7 active NFIP flood policies on file.
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 | $97,800 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 27% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Hurricane (Relatively Low), Hail (Very Low) |
| Active NFIP flood policies (county) | 7 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)