HomeInsuranceQts

Home Insurance in San Marcos, Texas

Homes in San Marcos carry a median value of $310,400 - 22% lower than the Hays County median.

Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in San Marcos was built around 2001. About 9% of homes were built before 1960, about 5 points above Hays County's 4%.

The housing stock in San Marcos is 40% single-family homes, 47% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.

58% of owner-occupied homes in San Marcos carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 31% of occupied homes in San Marcos are owner-occupied.

71% of homes in San Marcos 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.

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).

17 licensed insurance agencies are listed for this area.

Key figures

Median home value$310,400
Median year built2001
Owner-occupied share31%
Share of owner-occupied homes with a mortgage58%
Top county hazardHail (Relatively High)
Active NFIP policies in Hays County1,734
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)
Key home insurance figures for San Marcos, TX

Licensed insurance agencies in San Marcos

Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt

Nearby towns

Sources

Data last updated: 2026-09-29