Home Insurance in Highland Haven, Texas
With a median home value of $492,600, Highland Haven is 43% higher than the Burnet County median.
The typical home in Highland Haven was built around 1987. About 1% 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.
Housing in Highland Haven breaks down to 99% single-family homes and 1% mobile or manufactured homes.
In Highland Haven, about 28% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 93% of occupied homes in Highland Haven are owner-occupied. The vacancy rate is 38%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Highland Haven, 97% of homes are primarily heated with electricity.
Burnet County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. 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).
Key figures
| Median home value | $492,600 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 28% |
| 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
- Sunrise Beach Village
- Granite Shoals
- Horseshoe Bay
- Cottonwood Shores
- Meadowlakes
- Marble Falls
- Double Horn
- Burnet
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)