Home Insurance in Buda, Texas
Homes in Buda carry a median value of $446,600 - 12% higher than the Hays County median.
The typical home in Buda was built around 2012. About 1% of homes were built before 1960, about 3 points below Hays County's 4%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Buda breaks down to 87% single-family homes and 12% apartments in buildings with 5+ units.
About 77% of owner-occupied homes in Buda have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Buda has an owner-occupancy rate of 77% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
Most homes in Buda - 51% - are primarily heated with natural gas.
Hays County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. Hays County had 1,734 active NFIP flood policies as of September 2026. See the full Hays 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.
This area lists 14 licensed insurance agencies.
Key figures
| Median home value | $446,600 |
|---|---|
| Median year built | 2012 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 77% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Hays County | 1,734 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Buda
- AFFIANCE INSURANCE AGENCY, LLC, Buda (General Lines Agency)
- ASCEND GLOBAL, INC., Buda (General Lines Agency)
- ASSURED TRUCKING INSURANCE AGENCY, L. L. C., Buda (General Lines Agency)
- BARAJAS INSURANCE GROUP LLC, Buda (General Lines Agency)
- BUNKLEY INSURANCE GROUP, LLC, Buda (General Lines Agency)
- G VILLAVERDE INSURANCE AGENCY, LLC, Buda (General Lines Agency)
- INSUREPRO, INC., Buda (General Lines Agency)
- JP JANSEN CROP INSURANCE AGENCY, INC, Buda (General Lines Agency)
- MIMS AGENCY LLC, Buda (General Lines Agency)
- PAUL GUERRERO INSURANCE AGENCY LLC, Buda (General Lines Agency)
- PRIME INSURANCE GROUP LLC, Buda (General Lines Agency)
- REDPOINT RESOLUTIONS LLC, Buda (General Lines Agency)
- STRONGHOLD RISK HOLDINGS INC, Buda (General Lines Agency)
- TOWN LAKE INSURANCE AGENCY, LLC, Buda (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)