Home Insurance in Kerr County, Texas
The median home value in Kerr County is $321,200, 13% higher than the Texas median.
The typical home in Kerr County was built around 1987. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 13% of homes were built before 1960, in line with Texas (12%).
The housing stock in Kerr County is 68% single-family homes, 9% apartments in buildings with 5+ units and 17% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
41% of owner-occupied homes in Kerr County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 70% of occupied homes in Kerr County are owner-occupied.
Most homes in Kerr County - 78% - 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.
The top hazards for Kerr County, per FEMA's National Risk Index, are winter weather (Relatively High), inland flooding (Relatively Moderate) and wildfire (Relatively Low).
As of September 2026, Kerr County has 514 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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).
10 licensed insurance agencies serve this area.
Key figures
| Median home value | $321,200 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 41% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively High), Inland Flooding (Relatively Moderate), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 514 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Kerr County
- AGRITECH CROP INSURANCE AGENCY, LLC, Kerrville (General Lines Agency)
- BCI AGENCY, LLC, Kerrville (General Lines Agency)
- FIRST INSURANCE AGENCY OF THE HILL COUNTRY INC, Kerrville (General Lines Agency)
- GARRETT INSURANCE AGENCY, INC., Kerrville (General Lines Agency)
- HILL INSURANCE AGENCY, Ingram (General Lines Agency)
- JNC INSURANCE AGENCY, LLC, Ingram (General Lines Agency)
- JONES PRAIRIE LLC, Kerrville (General Lines Agency)
- PET INSURANCE INFO, INC, Kerrville (Pers Lines Prop and Cas Agency)
- PET INSURANCE INFO, INC, Kerrville (General Lines Agency)
- R. LOPEZ INSURANCE AGENCY, LLC, Kerrville (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
Sources
- 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)