Home Insurance in South Frydek, Texas
The median home value in South Frydek is $382,900, 29% higher than the Austin County median.
The typical home in South Frydek was built around 2003. About 1% of homes were built before 1960, about 15 points below Austin County's 16%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In South Frydek, the housing stock is 99% single-family homes.
In South Frydek, about 66% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 96% of occupied homes in South Frydek are owner-occupied.
Most homes in South Frydek - 57% - 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.
FEMA rates Austin County's overall risk as Relatively Low, led by tornado (Relatively Moderate). Austin County had 500 active NFIP flood policies as of September 2026. See the full Austin County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
Key figures
| Median home value | $382,900 |
|---|---|
| Median year built | 2003 |
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Austin County | 500 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
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)