Home Insurance in La Vernia, Texas
The median home value in La Vernia is $347,400, 8% higher than the Wilson County median.
The typical home in La Vernia was built around 1997. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 10% of homes were built before 1960, about 5 points above Wilson County's 6%.
The housing stock in La Vernia is 65% single-family homes, 9% apartments in buildings with 5+ units and 7% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In La Vernia, about 51% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
La Vernia has an owner-occupancy rate of 60% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
89% of homes in La Vernia 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.
What's the biggest home insurance risk near La Vernia? FEMA's National Risk Index points to hail (Relatively Moderate) in Wilson County and Wilson County had 187 active NFIP flood policies as of September 2026. See the full Wilson 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 serve this area.
Key figures
| Median home value | $347,400 |
|---|---|
| Median year built | 1997 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Wilson County | 187 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in La Vernia
- LA VERNIA INSURANCE AGENCY, INC., La Vernia (General Lines Agency)
- PLATINUM AG INSURANCE LLC, La Vernia (General Lines Agency)
- STREY INSURANCE AGENCY LLC, La Vernia (General Lines Agency)
- TWIN CREEK INSURANCE AGENCY, LLC, La Vernia (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)