HomeInsuranceQts

Home Insurance in Hays County, Texas

The median home value in Hays County is $399,800, 41% higher than the Texas median.

The typical home in Hays County was built around 2007. About 4% of homes were built before 1960, about 8 points below Texas's 12%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.

In Hays County, the housing stock is 69% single-family homes, 21% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.

About 68% of owner-occupied homes in Hays County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.

About 64% of occupied homes in Hays County are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.

Most homes in Hays County - 62% - 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 Hays County, per FEMA's National Risk Index, are hail (Relatively High), tornado (Relatively High) and winter weather (Relatively High).

As of September 2026, Hays County has 1,734 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.

65 licensed insurance agencies serve this area.

Key figures

Median home value$399,800
Median year built2007
Owner-occupied share64%
Share of owner-occupied homes with a mortgage68%
Top hazards (FEMA National Risk Index)Hail (Relatively High), Tornado (Relatively High), Winter Weather (Relatively High)
Active NFIP flood policies (county)1,734
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)

Towns and cities

Licensed insurance agencies in Hays County

...and 5 more licensed agencies.

Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt

Sources