Home Insurance in Niederwald, Texas
With a median home value of $286,500, Niederwald is 28% lower than the Hays County median.
The typical home in Niederwald was built around 2002. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 7% of homes were built before 1960, about 3 points above Hays County's 4%.
In Niederwald, the housing stock is 30% single-family homes, 24% apartments in buildings with 5+ units and 45% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 37% of owner-occupied homes in Niederwald have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Niederwald has an owner-occupancy rate of 67% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
Most homes in Niederwald - 86% - 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.
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.
The statewide average premium for a standard HO-3 homeowners policy in Texas is $2,864 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $286,500 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 37% |
| 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)