Home Insurance in Burnet County, Texas
The median home value in Burnet County is $344,000, 21% higher than the Texas median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Burnet County was built around 1997. About 6% of homes were built before 1960, about 6 points below Texas's 12%.
In Burnet County, the housing stock is 73% single-family homes, 5% apartments in buildings with 5+ units and 18% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
49% of owner-occupied homes in Burnet County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Burnet County has an owner-occupancy rate of 76% and a vacancy rate of 18%; 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. In Burnet County, 80% of homes are primarily heated with electricity.
Per FEMA's National Risk Index, Burnet County's top hazards are wildfire (Relatively Low), hail (Relatively Moderate) and tornado (Relatively Moderate).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Burnet County has 1,232 active NFIP flood policies on file.
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 16 licensed insurance agencies.
Key figures
| Median home value | $344,000 |
|---|---|
| Median year built | 1997 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Hail (Relatively Moderate), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 1,232 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Burnet County
- A & W PURCHASING LLC, Bertram (General Lines Agency)
- BOLD LEGACY INSURANCE AGENCY LLC, Bertram (General Lines Agency)
- CROSSLINE INSURANCE INC, Burnet (General Lines Agency)
- E W H INC, Marble Falls (General Lines Agency)
- HARMON ASSURANCE, INC., Burnet (General Lines Agency)
- HARVEST RANCH LLC, Bertram (General Lines Agency)
- JTW SERIES, LLC, Marble Falls (General Lines Agency)
- MERMIC FINANCIAL SERVICES INCORPORATED, Marble Falls (General Lines Agency)
- POWERS CROP INSURANCE SERVICES, LLC, Burnet (General Lines Agency)
- READY2SERVE LLC, Marble Falls (General Lines Agency)
- REVELS AGENCY LLC, Bertram (General Lines Agency)
- REYES LARSON INSURANCE LLC, Marble Falls (General Lines Agency)
- SALEM INSURANCE, Marble Falls (General Lines Agency)
- STEWART INS AND FIN SVCS, INC., Marble Falls (General Lines Agency)
- STRIPLING ENTERPRISES INC, Burnet (General Lines Agency)
- WILLIAM L. JOHNSON INSURANCE SERVICES, LLC, Burnet (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)