Home Insurance in Thrall, Texas
The median home value in Thrall is $175,000, 61% lower than the Williamson County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Thrall was built around 1984. About 30% of homes were built before 1960, about 28 points above Williamson County's 2%.
In Thrall, the housing stock is 91% single-family homes and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
58% of owner-occupied homes in Thrall carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 72% of occupied homes in Thrall are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Thrall, 76% of homes 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.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
Key figures
| Median home value | $175,000 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Williamson County | 2,018 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
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)