HomeInsuranceQts

Home Insurance in Georgetown, Texas

Homes in Georgetown carry a median value of $429,100 - close to the Williamson County median.

Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Georgetown was built around 2008. About 3% of homes were built before 1960, in line with Williamson County (2%).

In Georgetown, the housing stock is 77% single-family homes, 16% apartments in buildings with 5+ units and 1% mobile or manufactured homes.

In Georgetown, about 59% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 69% of occupied homes in Georgetown are owner-occupied.

49% of homes in Georgetown are primarily heated with electricity.

FEMA rates Williamson County's overall risk as Relatively Moderate, led by hail (Relatively High). 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).

34 licensed insurance agencies serve this area.

Key figures

Median home value$429,100
Median year built2008
Owner-occupied share69%
Share of owner-occupied homes with a mortgage59%
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 Georgetown, TX

Licensed insurance agencies in Georgetown

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

Nearby towns

Sources

Data last updated: 2026-09-29