Home Insurance in Blossom, Texas
Homes in Blossom carry a median value of $120,700 - 40% lower than the Lamar County median.
The typical home in Blossom was built around 1984. About 11% of homes were built before 1960, in line with Lamar County (12%). Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Blossom, the housing stock is 73% single-family homes, 8% apartments in buildings with 5+ units and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
37% of owner-occupied homes in Blossom carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 65% of occupied homes in Blossom are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 52% of homes in Blossom are primarily heated with electricity.
What's the biggest home insurance risk near Blossom? FEMA's National Risk Index points to tornado (Relatively High) in Lamar County and Lamar County had 148 active NFIP flood policies as of September 2026. See the full Lamar County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
Key figures
| Median home value | $120,700 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 37% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Lamar County | 148 |
| 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)