Home Insurance in Lometa, Texas
With a median home value of $160,000, Lometa is 36% lower than the Lampasas County median.
The typical home in Lometa was built around 1960. About 50% of homes were built before 1960, about 30 points above Lampasas County's 20%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Lometa is 78% single-family homes and 11% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 29% of owner-occupied homes in Lometa have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 69% of occupied homes in Lometa are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Lometa, 54% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Lometa? FEMA's National Risk Index points to wildfire (Relatively Low) in Lampasas County and 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.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
Key figures
| Median home value | $160,000 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 29% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Lampasas County | 116 |
| 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)