Home Insurance in Lyford, Texas
Homes in Lyford carry a median value of $59,400 - 19% lower than the Willacy County median.
The typical home in Lyford was built around 1982. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 4% of homes were built before 1960, about 14 points below Willacy County's 18%.
The housing stock in Lyford is 84% 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.
29% of owner-occupied homes in Lyford carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Lyford has an owner-occupancy rate of 81% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
Most homes in Lyford - 84% - are primarily heated with electricity.
What's the biggest home insurance risk near Lyford? FEMA's National Risk Index points to hurricane (Relatively Moderate) in Willacy County and Willacy County had 579 active NFIP flood policies as of September 2026. See the full Willacy 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 | $59,400 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 29% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Willacy County | 579 |
| 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)