Home Insurance in Hutto, Texas
The median home value in Hutto is $365,700, 18% lower than the Williamson County median.
The typical home in Hutto was built around 2010. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 2% of homes were built before 1960, in line with Williamson County (2%).
In Hutto, the housing stock is 94% single-family homes, 6% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
87% of owner-occupied homes in Hutto carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Hutto has an owner-occupancy rate of 80% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
60% of homes in Hutto 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).
7 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $365,700 |
|---|---|
| Median year built | 2010 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 87% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Williamson County | 2,018 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Hutto
- 90 MILES INSURANCE LLC, Hutto (General Lines Agency)
- ALLEGIANCE INSURANCE SERVICES LLC, Hutto (General Lines Agency)
- BIG RIG INSURANCE SERVICES LLC, Hutto (General Lines Agency)
- CHANDE INSURANCE GROUP LLC, Hutto (General Lines Agency)
- DOMAIN INSURANCE GROUP, INC., Hutto (General Lines Agency)
- GAUL AGENCY LLC, Hutto (General Lines Agency)
- NICOLE JOHNSTON INSURANCE AGENCY LLC, Hutto (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)