Home Insurance in Toco, Texas
The median home value in Toco is $35,000, 83% lower than the Lamar County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Toco was built around 1974. About 0% of homes were built before 1960, about 12 points below Lamar County's 12%.
In Toco, the housing stock is 100% single-family homes.
About 45% of owner-occupied homes in Toco have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 57% of occupied homes in Toco are owner-occupied.
Most homes in Toco - 69% - are primarily heated with natural gas.
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.
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 | $35,000 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 45% |
| 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)