Home Insurance in Kyle, Texas
The median home value in Kyle is $334,600, 16% lower than the Hays County median.
The typical home in Kyle was built around 2010. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 2% of homes were built before 1960, about 2 points below Hays County's 4%.
In Kyle, the housing stock is 77% single-family homes, 18% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Kyle, about 79% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Kyle has an owner-occupancy rate of 67% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
Most homes in Kyle - 51% - are primarily heated with electricity.
FEMA rates Hays County's overall risk as Relatively Moderate, led by hail (Relatively High). 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.
14 licensed insurance agencies serve this area.
Key figures
| Median home value | $334,600 |
|---|---|
| Median year built | 2010 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 79% |
| 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 Kyle
- ADVANTAGE MARINE INSURANCE AGENCY, LLC, Kyle (General Lines Agency)
- FRANKEL FAMILY HOLDINGS LLC, Kyle (General Lines Agency)
- HAYS INSURANCE GROUP LLC, Kyle (General Lines Agency)
- IVAN BOOKER INSURANCE AGENCY, INC., Kyle (General Lines Agency)
- JF FAMILY HOLDINGS LLC, Kyle (General Lines Agency)
- JJ INSURANCE BROKER LLC, Kyle (Pers Lines Prop and Cas Agency)
- JOHNSON INSURANCE AGENCY LLC, Kyle (General Lines Agency)
- JZ INSURANCE & INCOME TAX LLC, Kyle (General Lines Agency)
- KEY UP HOLDINGS, LLC, Kyle (General Lines Agency)
- RIO VISTA INSURANCE AGENCY LLC, Kyle (General Lines Agency)
- SEGUROS PAISANO, INC, Kyle (General Lines Agency)
- THE SIMMONS GROUP INSURANCE SERVICES LLC, Kyle (General Lines Agency)
- THE SOUTHPARK AGENCY, LLC, Kyle (General Lines Agency)
- THOMAS INSURANCE AND FINANCIAL SERVICES, INC, Kyle (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)