Home Insurance in Burnet, Texas
Homes in Burnet carry a median value of $277,400 - 19% lower than the Burnet County median.
The typical home in Burnet was built around 1982. About 17% of homes were built before 1960, about 11 points above Burnet County's 6%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Burnet breaks down to 81% single-family homes, 9% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 55% of owner-occupied homes in Burnet have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 75% of occupied homes in Burnet are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Burnet, 66% of homes are primarily heated with electricity.
FEMA rates Burnet County's overall risk as Relatively Low, led by wildfire (Relatively Low). Burnet County had 1,232 active NFIP flood policies as of September 2026. See the full Burnet 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).
5 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $277,400 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Burnet County | 1,232 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Burnet
- CROSSLINE INSURANCE INC, Burnet (General Lines Agency)
- HARMON ASSURANCE, INC., Burnet (General Lines Agency)
- POWERS CROP INSURANCE SERVICES, LLC, Burnet (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
Nearby towns
- Bertram
- Meadowlakes
- Marble Falls
- Granite Shoals
- Highland Haven
- Cottonwood Shores
- Sunrise Beach Village
- Horseshoe Bay
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)