Home Insurance in Lakeside, Texas
Homes in Lakeside carry a median value of $147,600 - 23% lower than the San Patricio County median.
The typical home in Lakeside was built around 1977. About 14% of homes were built before 1960, about 3 points below San Patricio County's 17%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Lakeside, the housing stock is 91% single-family homes and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Lakeside, about 33% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Lakeside has an owner-occupancy rate of 85% and a vacancy rate of 34%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Lakeside, 87% of homes are primarily heated with electricity.
FEMA rates San Patricio County's overall risk as Relatively Moderate, led by hurricane (Relatively High). 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 | $147,600 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 33% |
| 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)