Home Insurance in Blanco County, Texas
The median home value in Blanco County is $483,500, 70% higher than the Texas median.
The typical home in Blanco County was built around 1998. About 16% of homes were built before 1960, about 4 points above Texas's 12%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Blanco County, the housing stock is 82% single-family homes, 3% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 50% of owner-occupied homes in Blanco County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 76% of occupied homes in Blanco County are owner-occupied.
Most homes in Blanco County - 77% - 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 Blanco County, per FEMA's National Risk Index, are wildfire (Relatively Low), hail (Relatively Low) and hurricane (Very Low).
As of September 2026, Blanco County has 90 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.
5 licensed insurance agencies serve this area.
Key figures
| Median home value | $483,500 |
|---|---|
| Median year built | 1998 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Hail (Relatively Low), Hurricane (Very Low) |
| Active NFIP flood policies (county) | 90 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Blanco County
- ASHLEY INSURANCE LLC, Blanco (General Lines Agency)
- BRIGHAM INSURANCE AGENCY, Blanco (General Lines Agency)
- MOURSUND INSURANCE AGENCY, INC., Round Mountain (General Lines Agency)
- WAY TO GO INSURANCE AGENCY INC., Johnson City (General Lines Agency)
- WAY TO GO INSURANCE AGENCY INC., Johnson City (Pers Lines Prop and Cas 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)