Home Insurance in Mountain City, Texas
With a median home value of $494,800, Mountain City is 24% higher than the Hays County median.
The typical home in Mountain City was built around 1986. About 1% of homes were built before 1960, about 3 points below Hays County's 4%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Mountain City, the housing stock is 100% single-family homes.
68% of owner-occupied homes in Mountain City carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
All occupied homes in Mountain City are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Mountain City - 91% - are primarily heated with electricity.
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.
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 | $494,800 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 68% |
| 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)