Home Insurance in Leona, Texas
With a median home value of $187,900, Leona is close to the Leon County median.
The typical home in Leona was built around 1990. About 17% of homes were built before 1960, about 7 points above Leon County's 10%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Leona is 62% single-family homes and 38% mobile or manufactured homes.
In Leona, about 37% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Leona has an owner-occupancy rate of 90% and a vacancy rate of 27%; unoccupied homes typically need a different coverage form.
In Leona, 87% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Leona? FEMA's National Risk Index points to hurricane (Relatively Low) in Leon County and Leon County had 40 active NFIP flood policies as of September 2026. See the full Leon County home insurance overview for all FEMA hazard ratings and flood coverage details.
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).
Key figures
| Median home value | $187,900 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 37% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Leon County | 40 |
| 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)