Home Insurance in Gillespie County, Texas
The median home value in Gillespie County is $460,700, 62% higher than the Texas median.
The typical home in Gillespie County was built around 1991. About 16% of homes were built before 1960, about 4 points above Texas's 12%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Gillespie County is 75% single-family homes, 5% apartments in buildings with 5+ units and 15% mobile or manufactured homes.
In Gillespie County, about 43% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 75% of occupied homes in Gillespie County are owner-occupied. The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Gillespie County - 66% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Gillespie County, per FEMA's National Risk Index, are wildfire (Relatively Low), hail (Relatively Moderate) and winter weather (Relatively Moderate).
As of September 2026, Gillespie County has 187 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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.
This area lists 4 licensed insurance agencies.
Key figures
| Median home value | $460,700 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Hail (Relatively Moderate), Winter Weather (Relatively Moderate) |
| Active NFIP flood policies (county) | 187 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Gillespie County
- CHAPMAN FARM AND RANCH INSURANCE BROKERAGE, LLC, Fredericksburg (General Lines Agency)
- FRIENDSHIP INSURANCE AGENCY, LLC, Fredericksburg (General Lines Agency)
- THE INS ASSOCIATES, LLC, Fredericksburg (General Lines Agency)
- WADE DITTMAR AGENCY LLC, Fredericksburg (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
Sources
- 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)