Home Insurance in Bartlett, Texas
With a median home value of $218,900, Bartlett is 51% lower than the Williamson 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 Bartlett was built around 1957. About 55% of homes were built before 1960, about 53 points above Williamson County's 2%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Bartlett is 82% single-family homes, 1% apartments in buildings with 5+ units and 11% mobile or manufactured homes.
In Bartlett, about 51% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 82% of occupied homes in Bartlett are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
54% of homes in Bartlett are primarily heated with electricity.
Williamson County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. Williamson County had 2,018 active NFIP flood policies as of September 2026. See the full Williamson 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).
Key figures
| Median home value | $218,900 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Williamson County | 2,018 |
| 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)