Home Insurance in Kerrville, Texas
With a median home value of $303,400, Kerrville is 6% lower than the Kerr County median.
The typical home in Kerrville was built around 1983. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 17% of homes were built before 1960, about 5 points above Kerr County's 13%.
In Kerrville, the housing stock is 67% single-family homes, 18% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Kerrville, about 46% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Kerrville has an owner-occupancy rate of 59% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
73% of homes in Kerrville are primarily heated with electricity.
FEMA rates Kerr County's overall risk as Relatively Low, led by winter weather (Relatively High). Kerr County had 514 active NFIP flood policies as of September 2026. See the full Kerr County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Texas carries a statewide average premium of $2,864 per year.
8 licensed insurance agencies serve this area.
Key figures
| Median home value | $303,400 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Kerr County | 514 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Kerrville
- 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)
- 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
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)