Home Insurance in Reno, Texas
Homes in Reno carry a median value of $235,600 - 17% higher than the Lamar County median.
The typical home in Reno was built around 1995. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 0% of homes were built before 1960, about 12 points below Lamar County's 12%.
In Reno, the housing stock is 93% single-family homes and 2% mobile or manufactured homes.
About 59% of owner-occupied homes in Reno have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 78% of occupied homes in Reno are owner-occupied.
84% of homes in Reno are primarily heated with electricity.
Lamar County's top FEMA-rated hazard is tornado (Relatively High), per FEMA's National Risk Index. 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 | $235,600 |
|---|---|
| Median year built | 1995 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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)