Home Insurance in Lake Worth, Texas
Homes in Lake Worth carry a median value of $236,700 - 27% lower than the Tarrant County median.
The typical home in Lake Worth was built around 1968. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 41% of homes were built before 1960, about 28 points above Tarrant County's 13%.
In Lake Worth, the housing stock is 96% single-family homes, 1% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Lake Worth, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 66% of occupied homes in Lake Worth are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Lake Worth, 65% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Lake Worth? FEMA's National Risk Index points to hail (Very High) in Tarrant County and Tarrant County had 5,647 active NFIP flood policies as of September 2026. See the full Tarrant 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).
Key figures
| Median home value | $236,700 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top county hazard | Hail (Very High) |
| Active NFIP policies in Tarrant County | 5,647 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Nearby towns
- Sansom Park
- Lakeside
- River Oaks
- Westworth Village
- White Settlement
- Westover Hills
- Fort Worth
- Saginaw
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)