Home Insurance in Round Top, Texas
With a median home value of $854,200, Round Top is 191% higher than the Fayette County median.
The typical home in Round Top was built around 1983. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 39% of homes were built before 1960, about 12 points above Fayette County's 27%.
Housing in Round Top breaks down to 100% single-family homes.
47% of owner-occupied homes in Round Top carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Round Top has an owner-occupancy rate of 86% and a vacancy rate of 40%; unoccupied homes typically need a different coverage form.
Most homes in Round Top - 58% - 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.
Fayette County's top FEMA-rated hazard is hurricane (Relatively Low), per FEMA's National Risk Index. Fayette County had 190 active NFIP flood policies as of September 2026. See the full Fayette 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.
3 licensed insurance agencies serve this area.
Key figures
| Median home value | $854,200 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Fayette County | 190 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Round Top
- ROUND TOP STATE BANK, Round Top (General Lines Agency)
- TOM BAKER INSURANCE AGENCY INC, Round Top (General Lines Agency)
- WSB INSURANCE AGENCY INC, Round Top (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
Nearby towns
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)