Home Insurance in Lake City, Texas
With a median home value of $101,800, Lake City is 47% lower than the San Patricio County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Lake City was built around 1981. About 11% of homes were built before 1960, about 6 points below San Patricio County's 17%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Lake City is 76% single-family homes and 24% mobile or manufactured homes.
In Lake City, about 30% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 37%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 82% of occupied homes in Lake City are owner-occupied.
In Lake City, 91% of homes are primarily heated with electricity.
San Patricio County's top FEMA-rated hazard is hurricane (Relatively High), per FEMA's National Risk Index. San Patricio County had 2,394 active NFIP flood policies as of September 2026. See the full San Patricio 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 | $101,800 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 30% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in San Patricio County | 2,394 |
| 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)