Home Insurance in Big Lake, Texas
The median home value in Big Lake is $157,900, 8% lower than the Reagan County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Big Lake was built around 1983. About 21% of homes were built before 1960, about 2 points above Reagan County's 19%.
In Big Lake, the housing stock is 74% single-family homes, 4% apartments in buildings with 5+ units and 21% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Big Lake, about 30% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 75% of occupied homes in Big Lake are owner-occupied. The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
60% of homes in Big Lake are primarily heated with electricity.
Reagan County has no active NFIP flood policies on file. Its top FEMA-rated hazard is wildfire (Very Low). See the full Reagan County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
Key figures
| Median home value | $157,900 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 30% |
| Top county hazard | Wildfire (Very Low) |
| 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)