Home Insurance in Johnson City, Texas
The median home value in Johnson City is $452,000, 7% lower than the Blanco County median.
The typical home in Johnson City was built around 1993. About 20% of homes were built before 1960, about 4 points above Blanco County's 16%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Johnson City is 65% single-family homes, 6% apartments in buildings with 5+ units and 19% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
62% of owner-occupied homes in Johnson City carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Johnson City has an owner-occupancy rate of 59% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
In Johnson City, 93% of homes 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 | $452,000 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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 Johnson City
- 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
Nearby towns
- Round Mountain
- Blanco
- Horseshoe Bay
- Double Horn
- Dripping Springs
- Cottonwood Shores
- Meadowlakes
- Marble Falls
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)