Home Insurance in Blanco, Texas
Homes in Blanco carry a median value of $265,500 - 45% lower than the Blanco County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Blanco was built around 1982. About 30% of homes were built before 1960, about 14 points above Blanco County's 16%.
The housing stock in Blanco is 67% single-family homes, 10% apartments in buildings with 5+ units and 8% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Blanco, about 50% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Blanco has an owner-occupancy rate of 46% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Blanco - 73% - are primarily heated with electricity.
Blanco County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. Blanco County had 90 active NFIP flood policies as of September 2026. See the full Blanco County home insurance overview for all FEMA hazard ratings and flood coverage details.
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.
2 licensed insurance agencies serve this area.
Key figures
| Median home value | $265,500 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 46% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Blanco County | 90 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Blanco
- ASHLEY INSURANCE LLC, Blanco (General Lines Agency)
- BRIGHAM INSURANCE AGENCY, Blanco (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
Nearby towns
- Johnson City
- Spring Branch
- Woodcreek
- Dripping Springs
- Round Mountain
- Wimberley
- Bulverde
- Fair Oaks Ranch
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)