Home Insurance in Lacy-Lakeview, Texas
Homes in Lacy-Lakeview carry a median value of $160,600 - 34% lower than the McLennan County median.
The typical home in Lacy-Lakeview was built around 1980. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 15% of homes were built before 1960, about 6 points below McLennan County's 21%.
In Lacy-Lakeview, the housing stock is 52% single-family homes, 34% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 48% of owner-occupied homes in Lacy-Lakeview have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Lacy-Lakeview has an owner-occupancy rate of 44% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
Most homes in Lacy-Lakeview - 72% - are primarily heated with electricity.
FEMA rates McLennan County's overall risk as Relatively Moderate, led by tornado (Relatively High). McLennan County had 968 active NFIP flood policies as of September 2026. See the full McLennan 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.
Key figures
| Median home value | $160,600 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 44% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in McLennan County | 968 |
| 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)