HomeInsuranceQts

Home Insurance in Cedar Park, Texas

Homes in Cedar Park carry a median value of $513,600 - 15% higher than the Williamson County median.

The typical home in Cedar Park was built around 2005. About 1% of homes were built before 1960, about 2 points below Williamson County's 2%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.

In Cedar Park, the housing stock is 75% single-family homes, 21% apartments in buildings with 5+ units and 1% mobile or manufactured homes.

About 72% of owner-occupied homes in Cedar Park have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.

About 67% of occupied homes in Cedar Park are owner-occupied. The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.

In Cedar Park, 54% of homes are primarily heated with natural gas.

What's the biggest home insurance risk near Cedar Park? FEMA's National Risk Index points to hail (Relatively High) in Williamson County and 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).

32 licensed insurance agencies are listed for this area.

Key figures

Median home value$513,600
Median year built2005
Owner-occupied share67%
Share of owner-occupied homes with a mortgage72%
Top county hazardHail (Relatively High)
Active NFIP policies in Williamson County2,018
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)
Key home insurance figures for Cedar Park, TX

Licensed insurance agencies in Cedar Park

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

Nearby towns

Sources

Data last updated: 2026-09-29