Home Insurance in Bear Creek, Texas
Homes in Bear Creek carry a median value of $847,500 - 112% higher than the Hays County median.
The typical home in Bear Creek was built around 1991. 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 4 points below Hays County's 4%.
The housing stock in Bear Creek is 100% single-family homes.
About 59% of owner-occupied homes in Bear Creek have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Bear Creek has an owner-occupancy rate of 99% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
Most homes in Bear Creek - 80% - 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.
Hays County had 1,734 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively High). See the full Hays 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).
Key figures
| Median home value | $847,500 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 99% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Hays County | 1,734 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
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)