Home Insurance in Taylor, Texas
Homes in Taylor carry a median value of $285,800 - 36% lower than the Williamson County median.
The typical home in Taylor was built around 1979. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 26% of homes were built before 1960, about 23 points above Williamson County's 2%.
The housing stock in Taylor is 85% single-family homes, 5% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
59% of owner-occupied homes in Taylor carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Taylor has an owner-occupancy rate of 75% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
In Taylor, 55% of homes 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).
10 licensed insurance agencies serve this area.
Key figures
| Median home value | $285,800 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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 Taylor
- AUSTINITE INSURANCE AGENCY LLC, Taylor (General Lines Agency)
- BLACK PINE, LLC, Taylor (General Lines Agency)
- CLINTON MCPHAIL, LLC, Taylor (General Lines Agency)
- DONNA FRAZIER, LLC, Taylor (General Lines Agency)
- EASY YABA INSURANCE AGENCY LLC, Taylor (General Lines Agency)
- JOY OF INSURANCE AGENCY LLC, Taylor (General Lines Agency)
- PERALES FAMILY AGENCY LLC, Taylor (General Lines Agency)
- R BRENT KRIEGEL INC, Taylor (General Lines Agency)
- RANDIG INSURANCE AGENCY LLC, Taylor (General Lines Agency)
- TED ALEXANDER INSURANCE AGENCY INC, Taylor (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)