Home Insurance in Liberty Hill, Texas
The median home value in Liberty Hill is $403,200, 10% lower than the Williamson County median.
The typical home in Liberty Hill was built around 2017. About 5% of homes were built before 1960, about 2 points above Williamson County's 2%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Liberty Hill is 68% single-family homes, 7% apartments in buildings with 5+ units and 10% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Liberty Hill, about 90% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 61% of occupied homes in Liberty Hill are owner-occupied.
74% of homes in Liberty Hill are primarily heated with electricity.
Williamson County had 2,018 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively High). See the full Williamson County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Texas carries a statewide average premium of $2,864 per year.
This area lists 15 licensed insurance agencies.
Key figures
| Median home value | $403,200 |
|---|---|
| Median year built | 2017 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 90% |
| 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 Liberty Hill
- BRICK INSURANCE AGENCY INC, Liberty Hill (General Lines Agency)
- COHEN INSURANCE AGENCY, LLC, Liberty Hill (General Lines Agency)
- DOWELL INSURANCE SERVICES LLC, Liberty Hill (General Lines Agency)
- DUCKWORTH INSURANCE AGENCY, INC., Liberty Hill (General Lines Agency)
- GT INSURANCE SERVICES, LLC, Liberty Hill (General Lines Agency)
- HILL COUNTRY LIABILITY LLC, Liberty Hill (General Lines Agency)
- LAMARCHE INSURANCE AGENCY, L.L.C., Liberty Hill (General Lines Agency)
- LBC INSURANCE GROUP LLC, Liberty Hill (General Lines Agency)
- MIRKES INSURANCE SOLUTIONS LLC, Liberty Hill (General Lines Agency)
- PIA AFFILIATED AGENCIES OF TEXAS, LLC, Liberty Hill (General Lines Agency)
- SCHMALZ & ASSOCIATES PLLC, Liberty Hill (General Lines Agency)
- SCHULTZE AGENCY, LLC, Liberty Hill (General Lines Agency)
- SILVA AND SONS INSURANCE SERVICES INC., Liberty Hill (General Lines Agency)
- STRATEGIC INSURANCE CONSULTANTS, LLC, Liberty Hill (General Lines Agency)
- STRATEGIC INSURANCE CONSULTANTS, LLC, Liberty Hill (Pers Lines Prop and Cas 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)