Home Insurance in Marble Falls, Texas
Homes in Marble Falls carry a median value of $338,800 - close to the Burnet County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Marble Falls was built around 2001. About 7% of homes were built before 1960, in line with Burnet County (6%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Marble Falls is 55% single-family homes, 25% apartments in buildings with 5+ units and 4% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 45% of owner-occupied homes in Marble Falls have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Marble Falls has an owner-occupancy rate of 41% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
Most homes in Marble Falls - 83% - are primarily heated with electricity.
Burnet County had 1,232 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Low). 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).
This area lists 7 licensed insurance agencies.
Key figures
| Median home value | $338,800 |
|---|---|
| Median year built | 2001 |
| Owner-occupied share | 41% |
| Share of owner-occupied homes with a mortgage | 45% |
| 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 Marble Falls
- E W H INC, Marble Falls (General Lines Agency)
- JTW SERIES, LLC, Marble Falls (General Lines Agency)
- MERMIC FINANCIAL SERVICES INCORPORATED, Marble Falls (General Lines Agency)
- READY2SERVE LLC, Marble Falls (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)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
Nearby towns
- Meadowlakes
- Cottonwood Shores
- Double Horn
- Granite Shoals
- Horseshoe Bay
- Highland Haven
- Sunrise Beach Village
- 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)
- Texas Department of Insurance - licensed agencies (2026)