Home Insurance in Bastrop, Texas
With a median home value of $339,600, Bastrop is 8% higher than the Bastrop County median.
The typical home in Bastrop was built around 2000. About 18% of homes were built before 1960, about 9 points above Bastrop County's 10%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Bastrop, the housing stock is 74% single-family homes, 16% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 65% of owner-occupied homes in Bastrop have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 56% of occupied homes in Bastrop are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
55% of homes in Bastrop are primarily heated with electricity.
Bastrop County's top FEMA-rated hazard is tornado (Relatively High), per FEMA's National Risk Index. Bastrop County had 497 active NFIP flood policies as of September 2026. See the full Bastrop County home insurance overview for all FEMA hazard ratings and flood coverage details.
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).
This area lists 11 licensed insurance agencies.
Key figures
| Median home value | $339,600 |
|---|---|
| Median year built | 2000 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Bastrop County | 497 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Bastrop
- AAIS INC, Bastrop (General Lines Agency)
- AMM INSURANCE AGENCY, INC., Bastrop (General Lines Agency)
- CAPTIVE ADVISORY PARTNERS LLC, Bastrop (General Lines Agency)
- COMMERCIAL INSURANCE BROKERS OF TEXAS, LLC, Bastrop (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)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
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)
- Texas Department of Insurance - licensed agencies (2026)