Home Insurance in Llano, Texas
With a median home value of $234,100, Llano is 34% lower than the Llano County median.
The typical home in Llano was built around 1976. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 26% of homes were built before 1960, about 19 points above Llano County's 7%.
In Llano, the housing stock is 70% single-family homes, 6% apartments in buildings with 5+ units and 10% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
49% of owner-occupied homes in Llano carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 61% of occupied homes in Llano are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Llano - 82% - are primarily heated with electricity.
FEMA rates Llano County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). 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.
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.
6 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $234,100 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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 Llano
- HUTTO & DALCHAU INSURANCE AGENCY INC, Llano (General Lines Agency)
- HUTTO INSURANCE AGENCY, L.P., Llano (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)
- MICHAEL BALES INSURANCE AGENCY LLC, Llano (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
Nearby towns
- Sunrise Beach Village
- Highland Haven
- Granite Shoals
- Horseshoe Bay
- Cottonwood Shores
- Burnet
- Meadowlakes
- Marble Falls
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)