HomeInsuranceQts

Home Insurance in Williamson County, Texas

Homes in Williamson County carry a median value of $447,000 - 58% higher than the Texas median.

The typical home in Williamson County was built around 2006. About 2% of homes were built before 1960, about 10 points below Texas's 12%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.

The housing stock in Williamson County is 75% single-family homes, 19% apartments in buildings with 5+ units and 2% mobile or manufactured homes.

About 70% of owner-occupied homes in Williamson County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.

Williamson County has an owner-occupancy rate of 66% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.

50% of homes in Williamson County are primarily heated with electricity.

FEMA's National Risk Index lists hail (Relatively High), winter weather (Very High) and tornado (Relatively High) as the leading hazards for Williamson County.

Williamson County had 2,018 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.

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).

187 licensed insurance agencies serve this area.

Key figures

Median home value$447,000
Median year built2006
Owner-occupied share66%
Share of owner-occupied homes with a mortgage70%
Top hazards (FEMA National Risk Index)Hail (Relatively High), Winter Weather (Very High), Tornado (Relatively High)
Active NFIP flood policies (county)2,018
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)

Towns and cities

Licensed insurance agencies in Williamson County

...and 127 more licensed agencies.

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

Sources