Home Insurance in Bandera County, Texas
The median home value in Bandera County is $278,400, close to the Texas median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Bandera County was built around 1997. About 10% of homes were built before 1960, about 2 points below Texas's 12%.
In Bandera County, the housing stock is 68% single-family homes, 1% apartments in buildings with 5+ units and 29% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Bandera County, about 43% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 86% of occupied homes in Bandera County are owner-occupied. The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Bandera County, 84% of homes 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.
The top hazards for Bandera County, per FEMA's National Risk Index, are wildfire (Relatively Low), hail (Relatively Moderate) and inland flooding (Relatively Moderate).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Bandera County has 268 active NFIP flood policies on file.
The statewide average premium for a standard HO-3 homeowners policy in Texas is $2,864 per year, according to the NAIC homeowners insurance report (2023 data).
5 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $278,400 |
|---|---|
| Median year built | 1997 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Hail (Relatively Moderate), Inland Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 268 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Bandera County
- COHN INSURANCE AGENCY LLC, Lakehills (General Lines Agency)
- GARRETT VENTURES,INC, Utopia (General Lines Agency)
- JOE W MCMULLAN INSURANCE AGENCY INC, Bandera (General Lines Agency)
- MACNAUGHTON INSURANCE AGENCY, INC., Bandera (General Lines Agency)
- ROBIN COVEY-HARRELL INSURANCE AGENCY, LLC, Pipe Creek (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
Sources
- 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)
- Texas Department of Insurance - licensed agencies (2026)