Home Insurance in Bastrop County, Texas
The median home value in Bastrop County is $314,800, 11% higher than the Texas median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Bastrop County was built around 1999. About 10% of homes were built before 1960, about 3 points below Texas's 12%.
The housing stock in Bastrop County is 68% single-family homes, 3% apartments in buildings with 5+ units and 24% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
53% of owner-occupied homes in Bastrop County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 76% of occupied homes in Bastrop County are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Bastrop County - 73% - 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's National Risk Index lists tornado (Relatively High), inland flooding (Relatively Moderate) and hail (Relatively Moderate) as the leading hazards for Bastrop County.
As of September 2026, Bastrop County has 497 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Texas carries a statewide average premium of $2,864 per year.
This area lists 18 licensed insurance agencies.
Key figures
| Median home value | $314,800 |
|---|---|
| Median year built | 1999 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively High), Inland Flooding (Relatively Moderate), Hail (Relatively Moderate) |
| Active NFIP flood policies (county) | 497 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Bastrop County
- AAIS INC, Bastrop (General Lines Agency)
- AMM INSURANCE AGENCY, INC., Bastrop (General Lines Agency)
- BC MULTISERVICES LLC, Cedar Creek (General Lines Agency)
- BRIGHT SIDE INSURANCE GROUP, LLC, Elgin (General Lines Agency)
- CAPTIVE ADVISORY PARTNERS LLC, Bastrop (General Lines Agency)
- COMMERCIAL INSURANCE BROKERS OF TEXAS, LLC, Bastrop (General Lines Agency)
- CONFIANZA INSURANCE & TITLE SERVICES LLC, Elgin (General Lines Agency)
- CROSSROADS INSURANCE SERVICES, LLC, Smithville (General Lines Agency)
- D'AMBROSIO INSURANCE AGENCY, LLC, Bastrop (General Lines Agency)
- EASILY DONE INSURANCE AGENCY, LLC, Bastrop (General Lines Agency)
- GERMER INDUSTRIES, INC., Bastrop (General Lines Agency)
- INSURANCE 4 TEXAS AGENCY, INC., Bastrop (General Lines Agency)
- JESSICA RUNNELS INSURANCE AGENCY, INC., Bastrop (General Lines Agency)
- MCDERMOTT INSURANCE AGENCY, PLLC, Bastrop (General Lines Agency)
- NED STINSON JR INSURANCE AGENCY, LLC, Bastrop (General Lines Agency)
- RBANDA LLC, Elgin (General Lines Agency)
- TRUEST INSURANCE GROUP LLC, Smithville (General Lines Agency)
- V&W INSURANCE AGENCY LLC, Cedar 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)