Home Insurance in The Hills, Texas
The median home value in The Hills is $846,000, 62% higher than the Travis County median.
The typical home in The Hills was built around 1996. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 0% of homes were built before 1960, about 7 points below Travis County's 7%.
The housing stock in The Hills is 99% single-family homes and 1% apartments in buildings with 5+ units.
64% of owner-occupied homes in The Hills carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 96% of occupied homes in The Hills are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In The Hills, 83% of homes are primarily heated with electricity.
What's the biggest home insurance risk near The Hills? 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.
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).
This area lists 1 licensed insurance agencies.
Key figures
| Median home value | $846,000 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 96% |
| 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 The Hills
- LOLLIPOP INSURANCE AGENCY LLC, The Hills (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)