Home Insurance in Mustang Ridge, Texas
With a median home value of $320,900, Mustang Ridge is 39% lower than the Travis 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 Mustang Ridge was built around 1995. About 5% of homes were built before 1960, about 1 point below Travis County's 7%.
The housing stock in Mustang Ridge is 67% single-family homes and 32% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 46% of owner-occupied homes in Mustang Ridge have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 90% of occupied homes in Mustang Ridge are owner-occupied. The vacancy rate is 2%; 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. Most homes in Mustang Ridge - 62% - are primarily heated with electricity.
What's the biggest home insurance risk near Mustang Ridge? FEMA's National Risk Index points to tornado (Very High) in Travis County and 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.
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.
Key figures
| Median home value | $320,900 |
|---|---|
| Median year built | 1995 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 46% |
| 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)