Home Insurance in San Saba County, Texas
Homes in San Saba County carry a median value of $168,700 - 41% lower than the Texas median.
The typical home in San Saba County was built around 1981. About 30% of homes were built before 1960, about 18 points above Texas's 12%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In San Saba County, the housing stock is 82% single-family homes, 2% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
24% of owner-occupied homes in San Saba County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 26%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 72% of occupied homes in San Saba County are owner-occupied.
Most homes in San Saba County - 60% - 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 San Saba County, per FEMA's National Risk Index, are wildfire (Relatively Low), hail (Relatively Low) and hurricane (Very Low).
As of September 2026, San Saba County has 48 active NFIP flood insurance policies. 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 4 licensed insurance agencies.
Key figures
| Median home value | $168,700 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 24% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Hail (Relatively Low), Hurricane (Very Low) |
| Active NFIP flood policies (county) | 48 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in San Saba County
- BASKIN INSURANCE LLC, San Saba (General Lines Agency)
- JOHN C. HERT INSURANCE SERVICES, LLC, San Saba (General Lines Agency)
- M.A.V. INSURANCE SERVICES, LLC, San Saba (General Lines Agency)
- SHELIA MEADOR INSURANCE AGENT, LLC, San Saba (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)