Homeowners Insurance in Austin, TX

For a home at Austin's median value of $555,300, we estimate about $4,895 a year — +71% versus the Texas NAIC average of $2,864.

These are estimates, not quotes. Home figures are modeled from NAIC state averages, Census home values and FEMA hazard ratings for comparison only. We are not an insurance company or agency. How we estimate

Estimated homeowners insurance cost in Austin

Est. premium

$4,895

$408/mo · median home

Median home value

$555,300

Texas: $283,800

Median year built

1994

Census ACS

Owner-occupied

43.4%

of households

Hazard score

87.5

state ref. 87.6

Austin's estimate reflects its home values (96% higher than the state median) and FEMA's hazard profile for Travis County.

Natural hazard risk in Austin

FEMA National Risk Index — Travis County
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Very High	99.4	Comprehensive (car); roof claims (home)
Tornado	Very High	99.7	Comprehensive; dwelling
Hurricane	Relatively Low	77.1	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Relatively High	98.4	Comprehensive; home needs a separate flood policy
Coastal flooding	Not rated	—	Comprehensive; home needs a separate flood policy
Strong wind	Relatively High	94.8	Comprehensive; dwelling
Winter weather	Relatively Moderate	80.4	Collision (icy roads); frozen pipes (home)
Wildfire	Relatively Moderate	90.8	Comprehensive; dwelling
Earthquake	Very Low	53.5	Home needs a separate earthquake policy
Lightning	Relatively High	93.3	Fire and electrical damage

Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).

Estimated premium by home value in Austin

Dwelling value	Wood frame	Brick / masonry
$200,000	$2,165	$1,990
$300,000	$2,990	$2,750
$500,000	$4,500	$4,140
$750,000	$6,225	$5,730

Home Insurance Estimator

Estimated annual premium

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Per month

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Homeowners insurance by ZIP code in Austin

ZIP	Median home value	Owner-occupied	Est. premium
78745	$504,800	46.3%	$4,535
78753	$371,300	33.4%	$3,550
78748	$465,100	56.7%	$4,250
78744	$357,500	51.0%	$3,440
78704	$916,100	33.0%	$7,310
78758	$440,200	26.2%	$4,065
78741	$420,100	15.3%	$3,915
78759	$674,000	47.1%	$5,715
78723	$562,300	48.6%	$4,945
78717	$652,200	51.3%	$5,570
78749	$585,200	58.6%	$5,105
78705	$647,600	13.1%	$5,535
78754	$349,400	54.6%	$3,380
78724	$344,000	60.6%	$3,340
78729	$476,200	38.5%	$4,330
78727	$540,400	42.2%	$4,790
78750	$601,800	64.9%	$5,220
78746	$1,494,300	65.8%	$10,810
78731	$903,200	53.1%	$7,225
78702	$686,800	40.9%	$5,805
78757	$655,900	59.9%	$5,595
78703	$1,495,800	53.5%	$10,815
78752	$422,000	20.2%	$3,930
78735	$867,500	46.5%	$6,995
78739	$808,600	92.8%	$6,615
78751	$852,000	22.9%	$6,895
78726	$698,100	39.9%	$5,880
78701	$722,400	45.3%	$6,045
78721	$523,000	51.3%	$4,665
78756	$832,000	43.0%	$6,765
78730	$1,014,700	65.9%	$7,930
78722	$678,300	52.3%	$5,745

Homeowners insurance in Texas · Car insurance in Austin · Insurance offices near Austin

Frequently asked questions

How much is homeowners insurance in Austin?

For a home at Austin's median value of $555,300, we estimate about $4,895 a year for a standard HO-3 policy with a $1,000 deductible. The Texas NAIC average is $2,864.

What are the biggest natural hazards in Austin?

FEMA's National Risk Index rates Travis County relatively high or very high for hail, tornado, inland (river) flooding, strong wind, and lightning.

Does the age of homes in Austin affect insurance?

Yes. The median home in Austin was built in 1994 (Census ACS). Older roofs, wiring and plumbing can raise premiums or require inspections, while updates often earn discounts.

How we estimate this

We start from the NAIC average homeowners (HO-3) premium for Texas, scale it by the ratio of the dwelling value to the state median home value, adjust for construction type and deductible, and apply a hazard factor from FEMA National Risk Index scores for Travis County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page