Home Insurance in Lamar County, Texas
The median home value in Lamar County is $200,700, 29% lower than the Texas median.
The typical home in Lamar County was built around 1987. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 12% of homes were built before 1960, in line with Texas (12%).
In Lamar County, the housing stock is 78% single-family homes, 8% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Lamar County, about 42% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Lamar County has an owner-occupancy rate of 66% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
Most homes in Lamar County - 62% - 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.
The top hazards for Lamar County, per FEMA's National Risk Index, are tornado (Relatively High), hail (Relatively High) and wildfire (Relatively Low).
As of September 2026, Lamar County has 148 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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.
13 licensed insurance agencies serve this area.
Key figures
| Median home value | $200,700 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively High), Hail (Relatively High), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 148 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Lamar County
- BALLARD INSURANCE AGENCY, INC., Paris (General Lines Agency)
- COMBINED INSURANCE ASSOCIATES INC, Paris (General Lines Agency)
- COREY D. FAGAN INSURANCE SERVICES, LLC, Paris (General Lines Agency)
- F5 INSURANCE SOLUTIONS LLC, Paris (General Lines Agency)
- JAYSON COWARD INSURANCE SERVICES LLC, Paris (General Lines Agency)
- JOSHUA BREWER INSURANCE SOLUTIONS, LLC, Paris (General Lines Agency)
- LINDSEY WALTON INSURANCE SERVICES LLC, Paris (General Lines Agency)
- NORMENT & LANDERS LP, Paris (General Lines Agency)
- PEEPLES INS., LLC, Paris (General Lines Agency)
- Pierson & Fendley Insurance Agency, LLC, Paris (General Lines Agency)
- SCOTT KENNEDY INSURANCE AGENCY INC., Paris (General Lines Agency)
- WOODBY ENTERPRISES, INC., Paris (General Lines Agency)
- ZAMORA INSURANCE AGENCY, LLC, Paris (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
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)
- Texas Department of Insurance - licensed agencies (2026)