Home Insurance in Deport, Texas
The median home value in Deport is $91,400, 54% lower than the Lamar County median.
The typical home in Deport was built around 1975. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 19% of homes were built before 1960, about 7 points above Lamar County's 12%.
The housing stock in Deport is 58% single-family homes, 27% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Deport, about 18% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 67% of occupied homes in Deport are owner-occupied. The vacancy rate is 33%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Deport, 50% of homes are primarily heated with natural gas.
FEMA rates Lamar County's overall risk as Relatively Low, led by tornado (Relatively High). 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.
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 | $91,400 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 18% |
| 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)