Home / Texas Home Insurance Locations / Lytle
Home Insurance in Lytle, TX
Side-by-side numbers for Lytle, Atascosa County and the state, covering housing, hazards and flood insurance.
$3,215/yr
About $268/mo · ~$300k-$400k dwelling class
$1,826/yr
About $152/mo after modeled shopping discount
About 43.2% below local market estimate
Lytle, Atascosa County and Texas side by side
| Measure | Lytle | Atascosa County | Texas |
|---|---|---|---|
| Median home value | $187,500 | $174,800 | $283,800 |
| Median year built | – | 1993 | 1992 |
| Owner-occupied homes | 84% | 77% | 63% |
| Single-family detached | 69% | 58% | 64% |
| Built before 1980 | 57% | 35% | 33% |
| Built 2000 or later | 35% | 37% | 39% |
| Manufactured homes | 26% | 35% | 6% |
Manufactured homes are less common in Lytle (26% of units) than across Atascosa County (35%).
Census data shows a median home value of $187,500 in Lytle. It tracks the county median of $174,800 fairly closely. Sale prices and rebuild costs can diverge in either direction, which is why carriers run their own replacement-cost estimate for the dwelling limit.
Hazard ratings for Atascosa County
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Relatively Moderate | 32 hail reports |
| Tornadoes | Relatively Moderate | 0 tornadoes |
| Strong wind | Relatively Low | 9 thunderstorm wind reports |
| Inland flooding | Relatively Low | 5 flash floods |
| Hurricanes | Relatively Low | – |
| Wildfire | Relatively Low | – |
| Winter weather | Relatively Low | – |
| Drought | Relatively High | – |
| Lightning | Relatively Moderate | – |
Taking all natural hazards together, FEMA rates Atascosa County relatively low. Among individual perils, the top ratings go to drought (relatively high), hail (relatively moderate) and tornadoes (relatively moderate).
Natural hazards have put Atascosa County in 8 federal major disaster declarations since 2000. The latest declarations were Severe Winter Storms (2021), Severe Storms, Tornadoes, Straight-line Winds and Flooding (2015) and Severe Storms, Tornadoes, and Flooding (2007).
Coverage takeaways for Lytle
- Since Atascosa County is not a TWIA county, look at how your homeowners policy handles wind and hail, including whether that deductible is a flat amount or a percentage of the dwelling limit.
- Lytle participates in the National Flood Insurance Program, so NFIP policies are available to residents. Its flood map now in force took effect in April 2012. Only about 1 in 154 homes in Atascosa County carries an NFIP policy (139 residential policies). Since homeowners forms exclude flood, plan ahead: most NFIP policies only take effect after a 30-day waiting period.
- Roughly 57% of the housing stock predates 1980 and 35% is from 2000 onward. Some carriers limit how old a home or its systems can be, so receipts for a recent roof, rewiring or plumbing work are worth keeping handy.
Local offices and records
Insurers often check the appraisal district record, so confirm that what the Atascosa district shows at www.atascosacad.com matches your home. The district office address is 1020 Bensdale Dr. Pleasanton, TX 78064. Watches and warnings for Lytle are issued by NWS Austin/San Antonio, TX. The radar the weather service assigns to this point is KEWX.
County figures on this page refer to Atascosa County, which holds the largest share of Lytle; it also extends into Bexar County and Medina County. Commuting ties put Atascosa County in the San Antonio-New Braunfels metro as an outlying county. Head about 23 miles from Lytle and you reach San Antonio, the nearest larger city.
FAQ: Lytle home insurance
Which weather risks matter for insuring a home in Lytle?
Atascosa County is rated relatively low overall in FEMA’s National Risk Index. The highest individual ratings are for drought (relatively high), hail (relatively moderate) and tornadoes (relatively moderate). Those are the perils to ask about when you compare deductibles and endorsements.
Is the median home value in Lytle the right dwelling limit?
Usually not. The median owner-estimated value in Lytle is $187,500, yet that number includes land and location. Carriers estimate replacement cost from size, construction and finishes, and that is what the dwelling limit should follow.
What is a typical savings range when switching?
The estimate cards above model about 43.2% below the local market figure for Lytle. Treat it as illustrative; your quote depends on the home, roof, claims history and deductible.
Does TWIA cover homes in Lytle?
No. TWIA only writes in the 14 first-tier coastal counties and part of Harris County, and Atascosa County is not among them. Your homeowners carrier covers wind and hail.
Get a Lytle home insurance quote
Talk to a licensed Texas Insurance Resources agent at 800-875-4711, or get a quote online.
Where the Lytle numbers come from
All public data on this page was pulled in October 2026. Census numbers are survey estimates. The two price cards are modeled estimates from Texas Insurance Resources, not quotes.
- Census ACS 2020–2024, Lytle city: year built, tenure, structure type, home value, median year built, population
- TWIA eligibility
- NWS Austin/San Antonio, TX
- NFIP Community Status Book
- Comptroller economic regions
- NFIP data (OpenFEMA), Atascosa County
- Benchmarks: Atascosa County value, Atascosa County build year, Texas value
- Disaster declarations (FEMA), Atascosa County
- Comptroller CAD listing, Atascosa County
- Census metro delineation
- Gazetteer (Census)
- National Risk Index (FEMA), Atascosa County
- Storm Events Database (NOAA), Atascosa County