Home Insurance in Lone Star, Texas
Homes in Lone Star carry a median value of $137,500 - 14% higher than the Morris County median.
The typical home in Lone Star was built around 1972. About 39% of homes were built before 1960, about 15 points above Morris County's 24%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Lone Star breaks down to 82% single-family homes, 10% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Lone Star, about 27% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Lone Star has an owner-occupancy rate of 54% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
In Lone Star, 65% of homes are primarily heated with electricity.
Morris County had 17 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively Moderate). See the full Morris 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 | $137,500 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 27% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Morris County | 17 |
| 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)