Home Insurance in Fredericksburg, Texas
Homes in Fredericksburg carry a median value of $460,300 - close to the Gillespie County median.
The typical home in Fredericksburg was built around 1986. About 22% of homes were built before 1960, about 6 points above Gillespie County's 16%. 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 Fredericksburg is 76% single-family homes, 10% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
48% of owner-occupied homes in Fredericksburg carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Fredericksburg has an owner-occupancy rate of 63% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
In Fredericksburg, 58% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Fredericksburg? FEMA's National Risk Index points to wildfire (Relatively Low) in Gillespie County and Gillespie County had 187 active NFIP flood policies as of September 2026. See the full Gillespie County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
This area lists 4 licensed insurance agencies.
Key figures
| Median home value | $460,300 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Gillespie County | 187 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Fredericksburg
- 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
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)