Home Insurance in Lakeside, Texas
Homes in Lakeside carry a median value of $346,400 - 7% higher than the Tarrant County median.
The typical home in Lakeside was built around 1970. About 31% of homes were built before 1960, about 18 points above Tarrant County's 13%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Lakeside is 100% single-family homes.
In Lakeside, about 56% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 92% of occupied homes in Lakeside are owner-occupied.
48% of homes in Lakeside are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Tarrant County had 5,647 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Very High). See the full Tarrant 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 | $346,400 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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
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)