Home Insurance in Onalaska, Texas
Homes in Onalaska carry a median value of $165,800 - 10% lower than the Polk County median.
The typical home in Onalaska was built around 1993. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 0% of homes were built before 1960, about 8 points below Polk County's 8%.
The housing stock in Onalaska is 42% single-family homes, 1% apartments in buildings with 5+ units and 56% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
45% of owner-occupied homes in Onalaska carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 78% of occupied homes in Onalaska are owner-occupied. The vacancy rate is 27%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Onalaska, 85% of homes are primarily heated with electricity.
FEMA rates Polk County's overall risk as Relatively Low, led by hurricane (Relatively Moderate). Polk County had 546 active NFIP flood policies as of September 2026. See the full Polk County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Texas is $2,864 per year, according to the NAIC homeowners insurance report (2023 data).
This area lists 1 licensed insurance agencies.
Key figures
| Median home value | $165,800 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Polk County | 546 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Onalaska
- LAKESIDE INSURANCE AGENCY, Onalaska (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)