Home Insurance in Lee County, Texas
Homes in Lee County carry a median value of $267,800 - 6% lower than the Texas median.
The typical home in Lee County was built around 1992. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 15% of homes were built before 1960, about 3 points above Texas's 12%.
The housing stock in Lee County is 72% single-family homes, 2% apartments in buildings with 5+ units and 22% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
46% of owner-occupied homes in Lee County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in Lee County are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Lee County - 69% - are primarily heated with electricity.
Per FEMA's National Risk Index, Lee County's top hazards are hurricane (Relatively Low), tornado (Relatively Low) and hail (Relatively Low).
Lee County had 33 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.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
8 licensed insurance agencies serve this area.
Key figures
| Median home value | $267,800 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Low), Tornado (Relatively Low), Hail (Relatively Low) |
| Active NFIP flood policies (county) | 33 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Lee County
- FIRM FOUNDATION INSURANCE LLC, Lincoln (General Lines Agency)
- GATE ELEVEN SOLUTIONS INC, Giddings (General Lines Agency)
- GTEX SPECIALTY, LLC, Giddings (General Lines Agency)
- KIM DOWDY, LLC, Lexington (General Lines Agency)
- MELISSA WAGNER LLC, Lexington (General Lines Agency)
- TAMI HITT LLC, Giddings (General Lines Agency)
- THE NITSCHE GROUP, INC., Giddings (General Lines Agency)
- WRIGHT INSURANCE AGENCY, Lexington (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)