Home Insurance in Jonestown, Texas
The median home value in Jonestown is $557,600, 7% higher than the Travis County median.
The typical home in Jonestown was built around 2005. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 1% of homes were built before 1960, about 6 points below Travis County's 7%.
In Jonestown, the housing stock is 88% single-family homes, 5% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Jonestown, about 64% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Jonestown has an owner-occupancy rate of 94% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
Most homes in Jonestown - 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.
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.
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.
1 licensed insurance agencies serve this area.
Key figures
| Median home value | $557,600 |
|---|---|
| Median year built | 2005 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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 Jonestown
- REILEY INSURANCE AGENCY, LLC, Jonestown (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)