Home Insurance in Lampasas, Texas
The median home value in Lampasas is $198,800, 21% lower than the Lampasas County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Lampasas was built around 1970. About 39% of homes were built before 1960, about 18 points above Lampasas County's 20%.
In Lampasas, the housing stock is 83% single-family homes and 9% apartments in buildings with 5+ units.
48% of owner-occupied homes in Lampasas carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Lampasas has an owner-occupancy rate of 64% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
57% of homes in Lampasas are primarily heated with electricity.
Lampasas County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Lampasas County had 116 active NFIP flood policies as of September 2026. See the full Lampasas 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.
5 licensed insurance agencies serve this area.
Key figures
| Median home value | $198,800 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Lampasas County | 116 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Lampasas
- GGKA CORPORATION, Lampasas (General Lines Agency)
- JEFF RUTLAND, INC., Lampasas (General Lines Agency)
- KING FERG LLC, Lampasas (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
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)
- Texas Department of Insurance - licensed agencies (2026)