Lubbock, TX
Insurance for farms near Lubbock, TX
Farmhouse, barns, equipment, and liability coverage for farms around Lubbock. A quote is not a binder.
Lubbock is a market town of about 272,086 people in Lubbock County, where the 2023 Census business count found 9 agricultural and forestry support businesses, 21 farm supply wholesalers, 10 nursery, garden, and farm supply stores. Those are the businesses farm families rely on for seed, feed, fuel, parts, and custom work.
Lubbock County farm-related businesses
| Census CBP 2023 | Lubbock County | Texas |
|---|---|---|
| All employer establishments | 8,019 | 670,878 |
| Ag and forestry support businesses | 9 | 716 |
| Farm supply wholesalers | 21 | 564 |
| Nursery, garden, and farm supply stores | 10 | 1,107 |
| Establishments with 1–4 employees | 3,963 | 359,600 |
CBP 2023 establishment counts; most farms and ranches are not in this dataset.
With 46 employees at 9 agricultural support businesses (Census, 2023), Lubbock County has an active custom-work market. If you hire custom operators, ask for proof of their insurance.
How Lubbock households get around
3% of Lubbock households own three or more vehicles (Texas: 5%). In farm country that often means pickups, a grain truck, and a stock trailer in the yard, each needing the right coverage.
Solo drivers account for 77% of Lubbock commuters; 51% reach work in under 15 minutes. Lights, slow-moving vehicle emblems, and escort vehicles on wide equipment protect both farmers and commuters.
6% of Lubbock households are car-free. Outside town, nearly everyone drives, and fire department response times stretch with distance, which is why insurers ask how far your buildings are from the nearest station.
The Lubbock housing stock
The median home in Lubbock was built in 1984 (Texas: 1992). Newer homes in town contrast with older farmhouses in the countryside, which may carry very different insurance profiles.
Lubbock has 118,143.0 housing units, 68% of them single-family, and 49% of households rent. Hired farm workers and young families starting out often rent in town while working on nearby farms.
There are 107,086 households in Lubbock, and 11% of its 131,071 workers carpool while 0.7% use transit. Farms hiring seasonal help from Lubbock should think about how those workers will get to the field each day.
7% of Lubbock workers work from home (Texas: 14%). On the farm, home and work have always been the same place, which is why a farm policy has to cover both.
American Community Survey 2020–2024 (vehicles, commuting, year built, structure type, tenure); Census 2024 population estimates.
BLS estimates 4,290 crop, nursery, and greenhouse farmworkers on Texas payrolls, with a median wage of $32,840; livestock farmworkers number 3,750 at a median $33,920 (May 2025). Owners and family members are not counted.
With 1.2% of Texas's businesses with employees (49% of them with one to four workers), Lubbock County is a smaller rural economy within the state. Farms near Lubbock trade with these businesses every week.
Loss prevention near Lubbock
- Post warnings and set rules for farm visitors.
- Walk road-side fences after storms.
- Review your farm policy before planting season.
- Keep heaters away from bedding and straw.
Lubbock-area families with cattle or horses should review livestock coverage and farm liability.
Around Lubbock
Businesses with employees in Houston's county: 111,215. Businesses with employees in San Antonio's county: 39,726. By share of three-vehicle households, Lubbock ranks 26th of 30 Texas towns on this site.
What insurers ask farms near Lubbock
- Equipment: Tractors, combines, implements
- Visitors: Stands, U-pick, events
- Buildings: Barns, sheds, bins, with values
- Claims history: Any prior claims
- Vehicles: Trucks and trailers
- Help: Hired workers and payroll
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Lubbock farm insurance FAQ
What insurance do farms near Lubbock need?
A farm and ranch policy, vehicle coverage, crop insurance for growing crops, and often an umbrella.
How many farm supply businesses are in Lubbock County?
County Business Patterns counted 9 agricultural and forestry support businesses, 21 farm supply wholesalers, 10 nursery, garden, and farm supply stores in Lubbock County in 2023.
Are my growing crops near Lubbock covered by a farm policy?
Generally not. Growing crops are insured through federal crop insurance or private crop-hail policies.
Other Texas towns
Farm insurance in Texas · Coverage
Last updated October 15, 2026 · How we research