Home Insurance in LaCoste, Texas
The median home value in LaCoste is $101,000, 58% lower than the Medina County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in LaCoste was built around 1993. About 18% of homes were built before 1960, about 4 points above Medina County's 14%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in LaCoste is 54% single-family homes and 44% mobile or manufactured homes.
About 13% of owner-occupied homes in LaCoste have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
LaCoste has an owner-occupancy rate of 85% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
In LaCoste, 55% of homes are primarily heated with electricity.
What's the biggest home insurance risk near LaCoste? FEMA's National Risk Index points to strong wind (Relatively High) in Medina County and Medina County had 401 active NFIP flood policies as of September 2026. See the full Medina 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.
1 licensed insurance agencies serve this area.
Key figures
| Median home value | $101,000 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 13% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Medina County | 401 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in LaCoste
- SAFEGUARD CROP SERVICES LLC, Lacoste (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)