Home Insurance in Bee Cave, Texas
The median home value in Bee Cave is $776,400, 48% higher than the Travis County median.
The typical home in Bee Cave was built around 2012. 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 Travis County's 7%.
In Bee Cave, the housing stock is 52% single-family homes and 43% apartments in buildings with 5+ units.
About 76% of owner-occupied homes in Bee Cave have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 49% of occupied homes in Bee Cave are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Bee Cave, 68% of homes are primarily heated with electricity.
FEMA rates Travis County's overall risk as Relatively High, led by tornado (Very High). Travis County had 8,671 active NFIP flood policies as of September 2026. See the full Travis County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $776,400 |
|---|---|
| Median year built | 2012 |
| Owner-occupied share | 49% |
| Share of owner-occupied homes with a mortgage | 76% |
| Top county hazard | Tornado (Very High) |
| Active NFIP policies in Travis County | 8,671 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Bee Cave
- ADAPTIVE HOLDINGS, INC., Bee Cave (General Lines Agency)
- BAR 3 INSURANCE GROUP, LLC, Bee Cave (General Lines Agency)
- INSPIRE INSURANCE SOLUTIONS, INC., Bee Cave (General Lines Agency)
- LOTT INSURANCE SERVICES INC, Bee Cave (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)