Home Insurance in Meadowlakes, Texas
With a median home value of $385,900, Meadowlakes is 12% higher than the Burnet County median.
The typical home in Meadowlakes was built around 1997. 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%.
The housing stock in Meadowlakes is 97% single-family homes and 1% apartments in buildings with 5+ units.
About 45% of owner-occupied homes in Meadowlakes have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 87% of occupied homes in Meadowlakes are owner-occupied.
99% of homes in Meadowlakes 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).
Key figures
| Median home value | $385,900 |
|---|---|
| Median year built | 1997 |
| Owner-occupied share | 87% |
| 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) |
Nearby towns
- Marble Falls
- Cottonwood Shores
- Granite Shoals
- Horseshoe Bay
- Double Horn
- 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)