Home Insurance in Cottonwood Shores, Texas
The median home value in Cottonwood Shores is $264,100, 23% lower than the Burnet County median.
The typical home in Cottonwood Shores was built around 2004. About 0% of homes were built before 1960, about 6 points below Burnet County's 6%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Cottonwood Shores, the housing stock is 81% single-family homes and 17% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Cottonwood Shores, about 75% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in Cottonwood Shores are owner-occupied.
87% of homes in Cottonwood Shores 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.
What's the biggest home insurance risk near Cottonwood Shores? FEMA's National Risk Index points to wildfire (Relatively Low) in Burnet County and 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.
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.
Key figures
| Median home value | $264,100 |
|---|---|
| Median year built | 2004 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 75% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Burnet County | 1,232 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Nearby towns
- Meadowlakes
- Marble Falls
- Horseshoe Bay
- Granite Shoals
- Highland Haven
- Sunrise Beach Village
- Double Horn
- Round Mountain
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)