Home Insurance in Idalou, Texas
The median home value in Idalou is $211,000, close to the Lubbock County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Idalou was built around 1969. About 33% of homes were built before 1960, about 17 points above Lubbock County's 17%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Idalou is 86% single-family homes, 4% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
In Idalou, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Idalou has an owner-occupancy rate of 71% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
Most homes in Idalou - 66% - are primarily heated with natural gas.
What's the biggest home insurance risk near Idalou? FEMA's National Risk Index points to hail (Very High) in Lubbock County and Lubbock County had 932 active NFIP flood policies as of September 2026. See the full Lubbock County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 1 licensed insurance agencies.
Key figures
| Median home value | $211,000 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Hail (Very High) |
| Active NFIP policies in Lubbock County | 932 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Idalou
- BECTON INSURANCE AGENCY, INC., Idalou (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
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)
- Texas Department of Insurance - licensed agencies (2026)