Home Insurance in Llano County, Texas
Homes in Llano County carry a median value of $356,500 - 26% higher than the Texas median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Llano County was built around 1990. About 7% of homes were built before 1960, about 5 points below Texas's 12%.
In Llano County, the housing stock is 77% single-family homes, 3% apartments in buildings with 5+ units and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Llano County, about 42% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 32%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 77% of occupied homes in Llano County are owner-occupied.
90% of homes in Llano County are primarily heated with electricity.
Per FEMA's National Risk Index, Llano County's top hazards are inland flooding (Relatively Moderate), hail (Relatively Moderate) and wildfire (Relatively Low).
Llano County had 1,071 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
This area lists 13 licensed insurance agencies.
Key figures
| Median home value | $356,500 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Moderate), Hail (Relatively Moderate), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 1,071 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Llano County
- BLACKSHELL RISK MANAGEMENT LLC, Horseshoe Bay (General Lines Agency)
- HUTTO & DALCHAU INSURANCE AGENCY INC, Llano (General Lines Agency)
- HUTTO INSURANCE AGENCY, L.P., Llano (General Lines Agency)
- IB BUENTELLO AGENCY LLC, Horseshoe Bay (General Lines Agency)
- INSURANCE AGENCY ALL-TEX LLC, Llano (Pers Lines Prop and Cas Agency)
- JEFF HOPF INSURANCE AGENCY, INC, Llano (General Lines Agency)
- JOSHUA D. MAYFIELD, LLC, Llano (General Lines Agency)
- LAKESHORE INSURANCE AGENCY, LLC, Kingsland (General Lines Agency)
- LENTZ GANN INSURANCE GROUP LLC, Kingsland (General Lines Agency)
- MCCLAUGHERTY INSURANCE AGENCY INC, Horseshoe Bay (General Lines Agency)
- MICHAEL BALES INSURANCE AGENCY LLC, Llano (General Lines Agency)
- ROSS INSURANCE GROUP LLC, Horse Shoe Bay (General Lines Agency)
- TAMMY HEFNER LLC, Horseshoe Bay (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)