Home Insurance in Lampasas County, Texas
Homes in Lampasas County carry a median value of $250,400 - 12% lower than the Texas median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Lampasas County was built around 1990. About 20% of homes were built before 1960, about 8 points above Texas's 12%.
The housing stock in Lampasas County is 78% single-family homes, 3% apartments in buildings with 5+ units and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 50% of owner-occupied homes in Lampasas County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Lampasas County has an owner-occupancy rate of 80% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Lampasas County - 75% - are primarily heated with electricity.
Per FEMA's National Risk Index, Lampasas County's top hazards are wildfire (Relatively Low), hail (Relatively Low) and tornado (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Lampasas County has 116 active NFIP flood policies on file.
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).
This area lists 6 licensed insurance agencies.
Key figures
| Median home value | $250,400 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Hail (Relatively Low), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 116 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Lampasas County
- GGKA CORPORATION, Lampasas (General Lines Agency)
- JEFF RUTLAND, INC., Lampasas (General Lines Agency)
- KING FERG LLC, Lampasas (General Lines Agency)
- MILLICAN INSURANCE GROUP LLC, Kempner (General Lines Agency)
- PRATUS INSURANCE SERVICES, INC., Lampasas (General Lines Agency)
- TEXAS INDEPENDENT SERVICE LLC, Lampasas (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)