Home Insurance in Hays, Texas
With a median home value of $327,300, Hays is 18% lower than the Hays County median.
The typical home in Hays was built around 1970. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 18% of homes were built before 1960, about 14 points above Hays County's 4%.
Housing in Hays breaks down to 100% single-family homes.
35% of owner-occupied homes in Hays carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 81% of occupied homes in Hays are owner-occupied.
In Hays, 96% of homes are primarily heated with electricity.
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 | $327,300 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 35% |
| 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)