HomeInsuranceQts

Home Insurance in Lubbock County, Texas

Homes in Lubbock County carry a median value of $214,100 - 25% lower than the Texas median.

Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Lubbock County was built around 1985. About 17% of homes were built before 1960, about 4 points above Texas's 12%.

Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Lubbock County is 69% single-family homes, 19% apartments in buildings with 5+ units and 5% mobile or manufactured homes.

56% of owner-occupied homes in Lubbock County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

About 56% of occupied homes in Lubbock County are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.

Most homes in Lubbock County - 53% - are primarily heated with electricity.

FEMA's National Risk Index lists hail (Very High), strong wind (Very High) and tornado (Relatively High) as the leading hazards for Lubbock County.

Lubbock County had 932 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.

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.

This area lists 112 licensed insurance agencies.

Key figures

Median home value$214,100
Median year built1985
Owner-occupied share56%
Share of owner-occupied homes with a mortgage56%
Top hazards (FEMA National Risk Index)Hail (Very High), Strong Wind (Very High), Tornado (Relatively High)
Active NFIP flood policies (county)932
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)

Towns and cities

Licensed insurance agencies in Lubbock County

...and 52 more licensed agencies.

Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt

Sources