HomeInsuranceQts

Home Insurance in Round Rock, Texas

With a median home value of $418,600, Round Rock is 6% lower than the Williamson County median.

The typical home in Round Rock was built around 2002. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 2% of homes were built before 1960, in line with Williamson County (2%).

The housing stock in Round Rock is 67% single-family homes and 28% apartments in buildings with 5+ units.

In Round Rock, about 70% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

About 56% of occupied homes in Round Rock are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.

In Round Rock, 50% of homes are primarily heated with natural gas.

What's the biggest home insurance risk near Round Rock? 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.

The statewide average premium for a standard HO-3 homeowners policy in Texas is $2,864 per year, according to the NAIC homeowners insurance report (2023 data).

This area lists 56 licensed insurance agencies.

Key figures

Median home value$418,600
Median year built2002
Owner-occupied share56%
Share of owner-occupied homes with a mortgage70%
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 Round Rock, TX

Licensed insurance agencies in Round Rock

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

Nearby towns

Sources

Data last updated: 2026-09-29