Home Insurance in San Saba, Texas
The median home value in San Saba is $124,000, 26% lower than the San Saba County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in San Saba was built around 1971. About 36% of homes were built before 1960, about 5 points above San Saba County's 30%.
The housing stock in San Saba is 80% single-family homes, 4% apartments in buildings with 5+ units and 3% 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.
In San Saba, about 25% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
San Saba has an owner-occupancy rate of 66% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
59% of homes in San Saba 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.
San Saba County's top FEMA-rated hazard is wildfire (Relatively Low), per FEMA's National Risk Index. San Saba County had 48 active NFIP flood policies as of September 2026. See the full San Saba 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.
This area lists 4 licensed insurance agencies.
Key figures
| Median home value | $124,000 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 25% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in San Saba County | 48 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in San Saba
- 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
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)