Home Insurance in West Lake Hills, Texas
Homes in West Lake Hills carry a median value of $1,664,500 - 218% higher than the Travis County median.
The typical home in West Lake Hills was built around 1992. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 4% of homes were built before 1960, about 3 points below Travis County's 7%.
Housing in West Lake Hills breaks down to 87% single-family homes, 10% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 43% of owner-occupied homes in West Lake Hills have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
West Lake Hills has an owner-occupancy rate of 86% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
Most homes in West Lake Hills - 55% - 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.
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.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
5 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $1,664,500 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 43% |
| 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 West Lake Hills
- BENEPLACE, LLC, West Lake Hills (General Lines Agency)
- CAPSTONE MEMBER SERVICES LLC, West Lake Hills (General Lines Agency)
- DANIELS-HEAD INSURANCE AGENCY, INC., West Lake Hills (General Lines Agency)
- LUMBER INSURANCE WHOLESALE SERVICES, LLC, West Lake Hills (General Lines Agency)
- NORTHSTAR RISK ADVISORS, LLC, West Lake 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)