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Home Insurance in Reno City, TX
From build years to owner-occupancy, the makeup of Reno City’s housing explains much of what insurers ask. This guide starts with the homes themselves.
What Reno City housing looks like
Owners live in 78% of occupied homes, and detached single-family houses account for about 84% of the stock.
Why build year matters in Reno City
According to the Census Bureau, the typical home in Reno City went up around 1995. Roughly 4% of the housing stock predates 1980 and 39% is from 2000 onward. Some homes from the late 1970s through the mid-1990s used polybutylene supply lines, a material some insurers ask about during underwriting.
$4,181/yr
About $348/mo · ~$300k-$400k dwelling class
$2,521/yr
About $210/mo after modeled shopping discount
About 39.7% below local market estimate
Market value versus rebuild cost in Reno City
Median home value: $235,600, according to the latest five-year Census survey. That is well above the Lamar County median of $200,700. Your dwelling limit should be built from square footage, materials and local labor costs rather than what the house would sell for.
What each coverage does for Reno City owners
Covers the house. Lenders require it, and it is the base that percentage deductibles are calculated from.
Fences and outbuildings. The default limit is often a percentage of Coverage A, which can be too low on larger lots.
Furniture, clothing and electronics. Replacement-cost settlement pays more than actual cash value after a loss.
Hotel, meals and other added costs while the home is uninhabitable after a covered claim.
Covers your legal liability for injuries or damage to others; an umbrella policy can extend it.
Small medical bills for guests injured at your home, regardless of fault.
Weather backdrop for Reno City
Taking all natural hazards together, FEMA rates Lamar County relatively low. The highest-rated individual hazards are ice storms (very high), hail (relatively high) and tornadoes (relatively high). From 2016 to 2025, 55 hail events were recorded in Lamar County in NOAA’s Storm Events Database. 43 of those involved stones an inch or larger, the size that commonly damages shingles. The biggest stones, 2.75 inches across, fell on May 9, 2016.
Since Lamar 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. Look up your address on the FEMA Flood Map Service Center to see your flood zone.
Where to look up your Reno City home
The Lamar County appraisal district (www.lamarcad.org) publishes the square footage, year built and improvements insurers use to estimate rebuild cost. Its office is at 521 Bonham St. Paris, TX 75460-4191.
Lamar County is home to Reno City. Federal definitions group Lamar County into the Paris micropolitan area. Head about 85 miles from Reno City and you reach Plano, the nearest larger city.
Common questions from Reno City homeowners
Why do insurers ask when my Reno City home was built?
Census estimates put the median build year at 1995, with about 4% of homes older than 1980. Many homes from this era are on a second roof, so the roof’s age and material are key rating factors.
Where can I find my property details before getting a quote in Reno City?
Start at www.lamarcad.org, the Lamar appraisal district site, for size, year built and improvement records. Add your roof replacement date and any updates to complete the picture.
Is homeowners coverage mandatory for Reno City homeowners?
Only your lender can require it; Texas itself does not. If the home is paid off, the choice is yours, but one serious storm or fire can cost far more than years of premiums.
Should I compare quotes every year in Reno City?
Yearly is a good habit, plus whenever your premium jumps, you finish a remodel or you replace the roof.
Get a Reno City home insurance quote
Talk to a licensed Texas Insurance Resources agent at 800-875-4711, or get a quote online.
About the data
This page covers Reno city in Lamar County, near Paris. Texas has another city named Reno in Parker County. All public data on this page was pulled in October 2026. Census numbers are survey estimates. Price estimates near the top are Texas Insurance Resources models for comparison, not quotes or published averages.
- Texas Comptroller regions
- County and state comparisons: Lamar County value, Lamar County build year
- FEMA NRI county ratings, Lamar County
- Storm Events Database (NOAA), Lamar County
- Texas property tax directory, Lamar County
- TWIA coverage area
- American Community Survey 2020–2024, Reno city: population, structure type, home value, year built, tenure, median year built
- Census CBSA delineation
- Census Gazetteer coordinates