Home Insurance in Briarcliff, Texas
Homes in Briarcliff carry a median value of $550,800 - 5% higher than the Travis County median.
The typical home in Briarcliff was built around 2003. About 6% of homes were built before 1960, in line with Travis County (7%). Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Briarcliff, the housing stock is 97% single-family homes and 3% apartments in buildings with 5+ units.
73% of owner-occupied homes in Briarcliff carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Briarcliff has an owner-occupancy rate of 89% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in Briarcliff - 88% - 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.
Travis County had 8,671 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Very High). See the full Travis County home insurance overview for all FEMA hazard ratings and flood coverage details.
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).
Key figures
| Median home value | $550,800 |
|---|---|
| Median year built | 2003 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 73% |
| Top county hazard | Tornado (Very High) |
| Active NFIP policies in Travis County | 8,671 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
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)