Home Insurance in Lindale, Texas
Homes in Lindale carry a median value of $272,800 - 13% higher than the Smith County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Lindale was built around 1995. About 7% of homes were built before 1960, about 11 points below Smith County's 18%.
Housing in Lindale breaks down to 77% single-family homes, 11% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 55% of owner-occupied homes in Lindale have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 65% of occupied homes in Lindale are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Lindale, 78% of homes are primarily heated with electricity.
Smith County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. Smith County had 500 active NFIP flood policies as of September 2026. See the full Smith 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.
4 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $272,800 |
|---|---|
| Median year built | 1995 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Smith County | 500 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Lindale
- BASSINGER INSURANCE AGENCY, PLLC, Lindale (General Lines Agency)
- ETX INSURANCE GROUP LLC, Lindale (General Lines Agency)
- OWENS INSURANCE AGENCY, LTD, Lindale (General Lines Agency)
- THE AARON SMITH AGENCY, LLC, Lindale (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)