Home Insurance in Double Horn, Texas
With a median home value of $826,900, Double Horn is 140% higher than the Burnet County median.
The typical home in Double Horn was built around 2007. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 0% of homes were built before 1960, about 6 points below Burnet County's 6%.
Housing in Double Horn breaks down to 99% single-family homes and 1% mobile or manufactured homes.
In Double Horn, about 87% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
All occupied homes in Double Horn are owner-occupied. The vacancy rate is 25%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Double Horn - 61% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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.
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 | $826,900 |
|---|---|
| Median year built | 2007 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 87% |
| 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
- Marble Falls
- Meadowlakes
- Cottonwood Shores
- Horseshoe Bay
- Granite Shoals
- Round Mountain
- Briarcliff
- Highland Haven
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)