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Home Insurance in Lindale, TX
See where Lindale stands against county and statewide figures before you compare home insurance quotes.
$4,859/yr
About $405/mo · ~$300k-$400k dwelling class
$3,061/yr
About $255/mo after modeled shopping discount
About 37% below local market estimate
How Lindale homes compare
| Measure | Lindale | Smith County | Texas |
|---|---|---|---|
| Median home value | $272,800 | $240,700 | $283,800 |
| Median year built | – | 1986 | 1992 |
| Owner-occupied homes | 65% | 69% | 63% |
| Single-family detached | 74% | 68% | 64% |
| Built before 1980 | 29% | 42% | 33% |
| Built 2000 or later | 46% | 33% | 39% |
| Manufactured homes | 2% | 11% | 6% |
Manufactured homes are less common in Lindale (2% of units) than across Smith County (11%).
Census data shows a median home value of $272,800 in Lindale. It tracks the county median of $240,700 fairly closely. Land value is part of a sale price but not of a rebuild, so the right Coverage A figure can be well above or below market value.
Weather risk in Smith County, rated
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Relatively Moderate | 103 hail reports |
| Tornadoes | Relatively Low | 13 tornadoes |
| Strong wind | Relatively High | 135 thunderstorm wind reports |
| Inland flooding | Relatively Moderate | 71 flash floods |
| Hurricanes | Relatively Low | – |
| Wildfire | Relatively Low | – |
| Winter weather | Relatively High | – |
| Lightning | Relatively High | – |
FEMA’s county-level National Risk Index puts Smith County in the relatively moderate band overall. Among individual perils, the top ratings go to winter weather (relatively high), strong wind (relatively high) and lightning (relatively high).
FEMA has issued 12 natural-hazard major disaster declarations covering Smith County since 2000. The most recent include Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024), Severe Winter Storms (2021) and Severe Storms and Flooding (2016).
Coverage takeaways for Lindale
- Smith County is outside TWIA’s designated catastrophe area, so wind and hail are normally covered by the homeowners policy itself, often with a separate percentage deductible.
- Lindale participates in the National Flood Insurance Program, so NFIP policies are available to residents. The effective FEMA flood map for the community is from April 2014. Flood coverage is far from universal: 458 residential NFIP policies in Smith County, or about 1 per 174 homes. Smith County has produced 80 NFIP claims from 2016 on. Since homeowners forms exclude flood, plan ahead: most NFIP policies only take effect after a 30-day waiting period.
- Homes built before 1980 make up about 29% of the total; those built since 2000 account for 46%. Some homes from the late 1970s through the mid-1990s used polybutylene supply lines, a material some insurers ask about during underwriting.
Contacts for Lindale homeowners
Before you request quotes, pull your record from the Smith appraisal district at www.smithcad.org; the Texas Comptroller’s Smith County directory lists its contact details. You can also visit the office at 245 S. S.E. Loop 323 Tyler, TX 75702-6456. The NWS Shreveport, LA office handles forecasts and storm warnings for Lindale. Its assigned radar site for Lindale is KSHV.
Lindale sits within Smith County. Smith County forms part of the urban core of the Tyler metro. Measured point to point, Lindale sits roughly 14 miles northwest of Tyler.
FAQ: Lindale home insurance
How risky is Smith County for natural hazards?
Smith County is rated relatively moderate overall in FEMA’s National Risk Index. Its standout hazards are winter weather (relatively high), strong wind (relatively high) and lightning (relatively high). Use that list to decide where higher limits or a lower deductible are worth the premium.
How much dwelling coverage do Lindale homes need?
Enough to rebuild, which is not the same as market value. Census data puts the Lindale median at $272,800, but your dwelling limit should equal what it would cost to rebuild the house at today’s labor and material prices.
Does TWIA cover homes in Lindale?
No. TWIA only writes in the 14 first-tier coastal counties and part of Harris County, and Smith County is not among them. Your homeowners carrier covers wind and hail.
Do I need a local agent for a Lindale home?
No. Lindale is about 14 miles northwest of Tyler, and carriers rate by address, not by where the agent sits. An independent agency can compare several carriers for your exact location by phone or online.
Request a Lindale homeowners quote
Texas Insurance Resources shops multiple carriers for you. Call 800-875-4711 or start online.
Sources for this Lindale page
Public data current as of October 2026; Census figures are survey estimates. Price estimates near the top are Texas Insurance Resources models for comparison, not quotes or published averages.
- Comptroller economic regions
- NOAA NCEI storm reports, Smith County
- Community Status Book (NFIP)
- Texas property tax directory, Smith County
- Census metro delineation
- Gazetteer (Census)
- County and state comparisons: Smith County value, Smith County build year, Texas value
- FEMA declared disasters, Smith County
- NFIP data (OpenFEMA), Smith County
- NWS Shreveport, LA
- Census ACS 2020–2024, Lindale city: year built, home value, tenure, median year built, population, structure type
- FEMA NRI county ratings, Smith County
- TWIA eligibility