Home Insurance in Menard County, Texas
With a median home value of $108,500, Menard County is 62% lower than the Texas median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Menard County was built around 1972. About 42% of homes were built before 1960, about 29 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 Menard County is 80% single-family homes, 5% apartments in buildings with 5+ units and 13% mobile or manufactured homes.
In Menard County, about 26% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Menard County has an owner-occupancy rate of 81% and a vacancy rate of 32%; 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 Menard County - 72% - are primarily heated with electricity.
The top hazards for Menard County, per FEMA's National Risk Index, are wildfire (Very Low), hurricane (Very Low) and hail (Very Low).
As of September 2026, Menard County has 42 active NFIP flood insurance policies. 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.
1 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $108,500 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 26% |
| Top hazards (FEMA National Risk Index) | Wildfire (Very Low), Hurricane (Very Low), Hail (Very Low) |
| Active NFIP flood policies (county) | 42 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Menard County
- LK & CO INSURANCE ADVISORS LLC, Menard (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
Sources
- 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)