Home Insurance in Lavaca County, Texas
Homes in Lavaca County carry a median value of $228,300 - 20% lower than the Texas median.
The typical home in Lavaca County was built around 1977. About 31% of homes were built before 1960, about 18 points above Texas's 12%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Lavaca County is 78% single-family homes, 2% apartments in buildings with 5+ units and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Lavaca County, about 37% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Lavaca County has an owner-occupancy rate of 78% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
In Lavaca County, 63% of homes are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists inland flooding (Relatively Moderate), hurricane (Relatively Moderate) and tornado (Relatively Low) as the leading hazards for Lavaca County.
Lavaca County had 161 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.
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 8 licensed insurance agencies.
Key figures
| Median home value | $228,300 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 37% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Moderate), Hurricane (Relatively Moderate), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 161 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Lavaca County
- BRUSHY CREEK GENERAL AGENCY, INC., Yoakum (General Lines Agency)
- CARTER'S BENEFITS, INC., Yoakum (General Lines Agency)
- CARTER'S INSURANCE AGENCY INC, Yoakum (General Lines Agency)
- JACOBS-WEBER INC, Yoakum (General Lines Agency)
- JANELLA MATIAS LLC, Hallettsville (General Lines Agency)
- LEOPOLD INSURANCE AGENCY VICTORIA INC, Hallettsville (General Lines Agency)
- LEOPOLD INSURANCE AGENCY, LLC, Hallettsville (General Lines Agency)
- NEW LEAF INSURANCE AGENCY LLC, Shiner (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)