Home Insurance in Horseshoe Bay, Texas
The median home value in Horseshoe Bay is $549,800, 54% higher than the Llano County median.
The typical home in Horseshoe Bay was built around 1995. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 0% of homes were built before 1960, about 7 points below Llano County's 7%.
The housing stock in Horseshoe Bay is 77% single-family homes, 9% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
47% of owner-occupied homes in Horseshoe Bay carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 81% of occupied homes in Horseshoe Bay are owner-occupied. The vacancy rate is 34%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Horseshoe Bay - 92% - are primarily heated with electricity.
Llano County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. Llano County had 1,071 active NFIP flood policies as of September 2026. See the full Llano County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
4 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $549,800 |
|---|---|
| Median year built | 1995 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Llano County | 1,071 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Horseshoe Bay
- BLACKSHELL RISK MANAGEMENT LLC, Horseshoe Bay (General Lines Agency)
- IB BUENTELLO AGENCY LLC, Horseshoe Bay (General Lines Agency)
- MCCLAUGHERTY INSURANCE AGENCY INC, Horseshoe 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
Nearby towns
- Cottonwood Shores
- Granite Shoals
- Sunrise Beach Village
- Highland Haven
- Meadowlakes
- Marble Falls
- Double Horn
- Round Mountain
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)