Home Insurance in O'Donnell, Texas
With a median home value of $67,600, O'Donnell is 54% lower than the Lynn County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in O'Donnell was built around 1956. About 63% of homes were built before 1960, about 26 points above Lynn County's 38%.
Housing in O'Donnell breaks down to 91% single-family homes and 1% mobile or manufactured homes.
12% of owner-occupied homes in O'Donnell carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
O'Donnell has an owner-occupancy rate of 81% and a vacancy rate of 28%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in O'Donnell - 65% - are primarily heated with natural gas.
Lynn County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. Lynn County had 1 active NFIP flood policy as of September 2026. See the full Lynn 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 | $67,600 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 12% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Lynn County | 1 |
| 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)