HomeInsuranceQts

Home Insurance in Travis County, Texas

The median home value in Travis County is $523,000, 84% higher than the Texas median.

The typical home in Travis County was built around 1999. About 7% of homes were built before 1960, about 6 points below Texas's 12%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.

The housing stock in Travis County is 56% single-family homes, 35% apartments in buildings with 5+ units and 3% mobile or manufactured homes.

67% of owner-occupied homes in Travis County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

About 52% of occupied homes in Travis County are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.

57% of homes in Travis County are primarily heated with electricity.

FEMA's National Risk Index lists tornado (Very High), hail (Very High) and inland flooding (Relatively High) as the leading hazards for Travis County.

As of September 2026, Travis County has 8,671 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.

The statewide average premium for a standard HO-3 homeowners policy in Texas is $2,864 per year, according to the NAIC homeowners insurance report (2023 data).

487 licensed insurance agencies are listed for this area.

Key figures

Median home value$523,000
Median year built1999
Owner-occupied share52%
Share of owner-occupied homes with a mortgage67%
Top hazards (FEMA National Risk Index)Tornado (Very High), Hail (Very High), Inland Flooding (Relatively High)
Active NFIP flood policies (county)8,671
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)

Towns and cities

Licensed insurance agencies in Travis County

...and 427 more licensed agencies.

Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt

Sources