Home Insurance in Woodcreek, Texas
The median home value in Woodcreek is $425,600, 6% 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 Woodcreek was built around 1990. About 0% of homes were built before 1960, about 4 points below Hays County's 4%.
In Woodcreek, the housing stock is 67% single-family homes and 22% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
62% of owner-occupied homes in Woodcreek carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Woodcreek has an owner-occupancy rate of 54% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
97% of homes in Woodcreek 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.
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 | $425,600 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)