Home Insurance in Live Oak County, Texas
With a median home value of $159,200, Live Oak County is 44% lower than the Texas median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Live Oak County was built around 1985. About 12% of homes were built before 1960, in line with Texas (12%).
In Live Oak County, the housing stock is 67% single-family homes, 6% apartments in buildings with 5+ units and 24% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
25% of owner-occupied homes in Live Oak County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 71% of occupied homes in Live Oak County are owner-occupied. The vacancy rate is 27%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
85% of homes in Live Oak County are primarily heated with electricity.
Per FEMA's National Risk Index, Live Oak County's top hazards are hurricane (Relatively Low), wildfire (Very Low) and hail (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Live Oak County has 98 active NFIP flood policies on file.
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.
3 licensed insurance agencies serve this area.
Key figures
| Median home value | $159,200 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 25% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Low), Wildfire (Very Low), Hail (Relatively Low) |
| Active NFIP flood policies (county) | 98 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Live Oak County
- LIVE OAK INSURANCE AGENCY INC, George West (General Lines Agency)
- MARCUS ZAROSKY, LLC, Sandia (General Lines Agency)
- STAG ASSOCIATES, LLC, George West (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)