Home Insurance in Vega, Texas
The median home value in Vega is $131,000, 20% lower than the Oldham County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Vega was built around 1966. About 34% of homes were built before 1960, in line with Oldham County (33%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Vega is 84% single-family homes and 16% mobile or manufactured homes.
43% of owner-occupied homes in Vega carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 75% of occupied homes in Vega are owner-occupied.
In Vega, 61% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Vega? FEMA's National Risk Index points to wildfire (Relatively Low) in Oldham County and Oldham County has no active NFIP flood policies on file. See the full Oldham 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 are listed for this area.
Key figures
| Median home value | $131,000 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top county hazard | Wildfire (Relatively Low) |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Vega
- TOWN & COUNTRY AGRIBUSINESS, INC., Vega (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)