Home Insurance in Lamb County, Texas
The median home value in Lamb County is $82,400, 71% lower than the Texas median.
The typical home in Lamb County was built around 1966. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 34% of homes were built before 1960, about 22 points above Texas's 12%.
The housing stock in Lamb County is 87% single-family homes, 1% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
23% of owner-occupied homes in Lamb County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Lamb County has an owner-occupancy rate of 74% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
Most homes in Lamb County - 57% - are primarily heated with natural gas.
Per FEMA's National Risk Index, Lamb County's top hazards are hail (Relatively High), strong wind (Relatively High) and wildfire (Relatively Low).
Lamb County had 8 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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.
4 licensed insurance agencies serve this area.
Key figures
| Median home value | $82,400 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 23% |
| Top hazards (FEMA National Risk Index) | Hail (Relatively High), Strong Wind (Relatively High), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 8 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Lamb County
- ALAN NEWTON INSURANCE AGENCY INC, Littlefield (General Lines Agency)
- HOOVES ' N HORNS INC, Littlefield (General Lines Agency)
- M EDWARDS INVESTMENT GROUP, INC., Sudan (General Lines Agency)
- SOUTH PLAINS IRRIGATION, INC., Olton (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
Sources
- 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)
- Texas Department of Insurance - licensed agencies (2026)