Home Insurance in Lawn, Texas
The median home value in Lawn is $69,400, 65% lower than the Taylor County median.
The typical home in Lawn was built around 1958. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 53% of homes were built before 1960, about 21 points above Taylor County's 33%.
The housing stock in Lawn is 75% single-family homes and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
29% of owner-occupied homes in Lawn carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Lawn has an owner-occupancy rate of 78% and a vacancy rate of 26%; 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. Most homes in Lawn - 57% - are primarily heated with natural gas.
FEMA rates Taylor County's overall risk as Relatively Moderate, led by hail (Very High). Taylor County had 2,087 active NFIP flood policies as of September 2026. See the full Taylor 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 | $69,400 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 29% |
| Top county hazard | Hail (Very High) |
| Active NFIP policies in Taylor County | 2,087 |
| 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)