HomeInsuranceQts

Home Insurance in Pflugerville, Texas

With a median home value of $402,400, Pflugerville is 23% lower than the Travis County median.

The typical home in Pflugerville was built around 2004. About 1% of homes were built before 1960, about 6 points below Travis County's 7%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.

In Pflugerville, the housing stock is 78% single-family homes, 15% apartments in buildings with 5+ units and 2% mobile or manufactured homes.

72% of owner-occupied homes in Pflugerville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

About 70% of occupied homes in Pflugerville are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.

51% of homes in Pflugerville are primarily heated with natural gas.

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.

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.

This area lists 32 licensed insurance agencies.

Key figures

Median home value$402,400
Median year built2004
Owner-occupied share70%
Share of owner-occupied homes with a mortgage72%
Top county hazardTornado (Very High)
Active NFIP policies in Travis County8,671
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)
Key home insurance figures for Pflugerville, TX

Licensed insurance agencies in Pflugerville

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

Nearby towns

Sources

Data last updated: 2026-09-29