Home Insurance in Roxton, Texas
The typical home in Roxton was built around 1976. About 28% of homes were built before 1960, about 16 points above Lamar County's 12%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Roxton, the housing stock is 92% single-family homes and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Roxton, about 28% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Roxton has an owner-occupancy rate of 69% and a vacancy rate of 29%; unoccupied homes typically need a different coverage form.
Most homes in Roxton - 54% - 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.
The statewide average premium for a standard HO-3 homeowners policy in Texas is $2,864 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median year built | 1976 |
|---|---|
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 28% |
| 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)