Home Insurance in Wimberley, Texas
The median home value in Wimberley is $550,800, 38% higher 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 Wimberley was built around 1994. About 3% of homes were built before 1960, about 1 point below Hays County's 4%.
In Wimberley, the housing stock is 83% single-family homes, 12% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
49% of owner-occupied homes in Wimberley carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 67% of occupied homes in Wimberley are owner-occupied.
Most homes in Wimberley - 79% - 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.
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).
This area lists 7 licensed insurance agencies.
Key figures
| Median home value | $550,800 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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 Wimberley
- BEARD INSURANCE & ASSOC L L C, Wimberley (General Lines Agency)
- BENEFIT DESIGNERS OF TEXAS INC, Wimberley (General Lines Agency)
- BROKAR INSURANCE ADVISORS, INC., Wimberley (General Lines Agency)
- DEMASTERS-DANIEL INSURANCE AGENCY INC, Wimberley (General Lines Agency)
- GREATER TEXAS INSURANCE BROKERAGE LLC, Wimberley (General Lines Agency)
- JESSIE MCCONCHIE INSURANCE AGENCY,INC, Wimberley (General Lines Agency)
- TEXAS HILL COUNTRY INSURANCE GROUP, INC., Wimberley (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)