Austin Home Insurance Costs (2026)

What does an Austin homeowners policy actually cover?

A standard homeowners policy, often called an HO-3, bundles six coverages into one premium. For our sample home in Austin, all six come in the $5,023-a-year average.

• Dwelling ($300,000): repairs or rebuilds the house itself, including the roof and walls, after a covered loss.
• Other structures ($30,000): covers detached structures, such as a fence or a shed.
• Personal property ($150,000): covers your belongings, from furniture to clothes.
• Loss of use ($30,000): pays extra living costs, such as a rental, if a covered loss leaves the home unlivable.
• Personal liability ($300,000): pays covered claims, plus legal defense, if you’re legally responsible for someone else’s injury or property damage.
• Medical payments ($5,000): pays smaller medical bills for injured guests, typically without anyone proving fault.

Say a spring hailstorm damages the roof, and the repair costs $20,000. With our sample’s $1,000 all-perils deductible, the policy would pay up to the other $19,000, depending on the roof’s age and the policy’s roof terms.

But some policies are written differently. If yours has a separate 2% wind and hail deductible, you’d pay $6,000 of that same claim and the policy would pay $14,000.

Flood and earthquake damage generally need separate policies.

Which Austin ZIP codes cost the most and least to insure?

In Austin, the ZIP code moves the price much less than the insurer does.

Austin’s ZIP spread is narrow: across all 41 ZIP codes, the average for our sample home stays between $407 and $443 a month, and in every one of them ASI had the highest price. Among insurers anyone can buy from, State Farm had the lowest average citywide, and its price for our sample home ranged only from $3,717 to $4,247 a year across Austin ZIP codes.

Across Texas, the same home ranges from $341 a month in El Paso’s 79930 to $1,646 in Seabrook’s 77586.

One ZIP stands out: 78737, in Hays County, is the priciest Austin ZIP for our sample home ($443 a month) but the least expensive for our sample condo ($50 a month). For renters, Brushy Creek (78717, Williamson County) is lowest at $162 a year, and Four Points / Marshall Ford (78732) highest at $199.

Average home, renters and condo insurance prices by ZIP code in Austin, TX, for our sample profiles (rates as of Aug. 31, 2026)

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USPS place names; ZIPs don’t follow neighborhood lines. “Austin” means no other USPS name is listed for that ZIP. Each ZIP’s figure is the average of the insurers priced there (4 for home and renters, 5 for condo). Percentages use unrounded averages. These are ZIP codes with an Austin mailing address, not the city limits.

Why does home insurance cost more in Austin than in most states?

At $5,023 a year, Austin’s average for our sample home is higher than the statewide average in 45 of the 50 states and D.C. Only Florida, Texas, Missouri, Louisiana, Montana and Oklahoma average more for the same house.

Our figures don’t separate the causes. But Austin homeowners face a mix of local risks that insurers weigh, and the city and state publish the details.

Flooding along Austin’s creeks

Austin has more than 9,000 buildings in the 100-year floodplain, and about 10% of the city’s land is in the floodplain, according to the City of Austin. A 100-year flood has a 1% chance of happening in any year, or about 26% over a 30-year mortgage.

Austin’s creeks have a long flood record. The Memorial Day flood of 1981 on Shoal Creek killed 13 people. Williamson Creek flooded in 1998, 2001 and 2013, and 53 households sold their homes in a 2015 city buyout there. On Oct. 30, 2015, more than 13 inches of rain fell in eight hours over Onion Creek, and Bull Creek saw close to a 100-year storm during Tropical Storm Hermine in September 2010.

Wildfire at the Hill Country edge

Austin sits on the edge of the Texas Hill Country, and more than half of the city falls into one of three Wildland-Urban Interface (WUI) Code zones, according to the City of Austin. The city’s WUI Code took effect in 2021, and an updated version took effect July 10, 2025.

Hail and severe storms

Central Texas has seen record-size hail, including a Texas-record hailstone in April 2021, according to the National Weather Service. Statewide, NOAA’s National Centers for Environmental Information counts more than 100 billion-dollar severe storm events that affected Texas from 1980 through 2024.

Freezes

Cold is a risk too. Winter Storm Uri in February 2021 generated more than 430,000 residential property insurance claims in Texas, with about $4.5 billion paid as of March 2022, according to the Texas Department of Insurance.

Why is home insurance cheaper in Austin than in the rest of Texas?

For our sample home, Austin’s $419 a month is 34.2% below the Texas average of $636. Austin is inland, outside the coastal territory of the Texas Windstorm Insurance Association (TWIA). The highest-priced Texas ZIP codes for the same home are on or near the coast: $1,646 a month in Seabrook’s 77586 and $1,403 in Galveston’s 77550. Coastal and Houston-area prices pull the statewide average up: the identical house averages $881 a month in Houston, against $419 in Austin and $392 in San Antonio.

How to lower your home insurance costs in Austin

Compare several insurers: Among the insurers anyone can buy from, the averages for our sample home were $441 a month apart. That’s about 12 times the $36-a-month gap between Austin ZIP codes.

Weigh your deductibles: A 2% wind and hail deductible on our sample home would be $6,000 instead of $1,000, more than State Farm’s $3,892 Austin average for a full year of coverage. Only a quote shows what that does to the premium.

Ask about impact-resistant roofing: Roof coverings are tested and rated Class 1 to Class 4. A Class 4 roof would receive the highest premium credit, and some insurers offer one, according to the Texas Department of Insurance. Each insurer sets its own discount and the proof it needs, so ask before you re-roof.

Mind the roof’s age and payout terms: Ask whether a policy pays replacement cost or actual cash value on the roof. On an older roof, that choice can decide how much a claim pays.

Consider a bundle, with care: If you also insure a car, see car + home for how a multi-policy discount might apply.

How much is renters insurance in Austin?

Renters insurance for our sample renter averages $16 a month ($190 a year) in Austin. Among the insurers anyone can buy from that we compared for renters, prices ranged from $14 to $20 a month, a $6-a-month gap for the same coverage. USAA, which sells only to military members, veterans and their families, averaged $11 a month.

Renting here? That’s about 4% of what our sample home costs to insure, and about 0.9% of Austin’s median rent of $1,729 (U.S. Census Bureau American Community Survey, or ACS, 2020–2024). About 56.6% of Austin households rent.

Our sample renter lives in an apartment built in 2005 and insures $40,000 of belongings with $300,000 liability and a $1,000 deductible. The renter is 40, single, with good credit and no claims. Rates as of Aug. 31, 2026, from 164 modeled premiums by 4 insurers across 41 Austin ZIP codes.

• $40K belongings
• $300K liability
• $1,000 deductible

Austin’s renters average is 12.5% lower than the Texas renters average of $18 a month. For the same insurers and ZIP codes, it fell slightly (0.7%) over the past nine months; the monthly figure is $16 either way.

Renters insurance averages by insurer in Austin, TX, for our sample renter (rates as of Aug. 31, 2026)

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Among insurers anyone can buy from, State Farm averaged $14 a month ($168 a year), ASI $18 ($213) and Safeco $20 ($242) for our sample renter. USAA, which sells only to military members, veterans and their families, averaged $11 ($135).

What does renters insurance cover that your landlord’s policy doesn’t?

Your landlord’s policy generally covers the building, not your belongings or your liability; renters insurance fills those gaps.

Our sample renter policy covers belongings up to $40,000 after a covered event, such as a fire or a theft. It adds up to $4,000 for temporary housing if a covered loss makes the apartment unlivable.

Liability ($300,000) is the part renters often overlook. If a guest is hurt in your apartment, or a kitchen fire you started damages a neighbor’s unit, it can pay covered claims and legal costs. Medical payments ($1,000) handles smaller injury bills for guests, typically without a finding of fault. In Austin, that whole package averages $16 a month for our sample renter.

What is the average cost of renters insurance in Austin, Texas?

For our sample renter, it’s $16 a month ($190 a year), with rates as of Aug. 31, 2026. That’s 12.5% lower than the Texas renters average of $18 a month. Across Austin ZIP codes, the yearly average runs from $162 in Brushy Creek (78717) to $199 in Four Points / Marshall Ford (78732).

How much is $100,000 renters insurance a month?

We didn’t price $100,000 of coverage. Our sample renter insures $40,000 of belongings with $300,000 of liability and a $1,000 deductible, and that costs $16 a month on average in Austin. A policy with $100,000 of belongings coverage would be priced differently, so get a quote for the amount you need: enough to replace your belongings and to meet any coverage amount your lease asks for.

Does renters insurance cover floods?

No. Standard renters policies generally don’t cover flood. Renters can buy separate flood coverage for their belongings through the NFIP or a private insurer; it usually starts 30 days after you buy it (FEMA). In Texas, landlords must tell you if they know the rental is in a 100-year floodplain or has had flood damage in the past five years (Texas Department of Insurance).

How we got these renters prices: for each insurer and Austin ZIP code, we used its lowest eligible price for the sample renter, averaged each ZIP, then averaged the 41 ZIPs (each counts once). These are modeled premiums from licensed Quadrant rate data, not quotes or offers.

You may also want to compare: car + home insurance in Austin

Both figures use rates as of Aug. 31, 2026. They come from two different sample profiles (our sample home, and our sample 40-year-old driver), so they are separate prices, not a bundle price.

Depending on the insurer, the discount may apply to one policy or both. Not every insurer writes both home and car insurance, and a bundle isn’t always cheaper than separate policies, so compare both.

See car insurance rates in Austin · Texas car insurance rates · How bundling home and auto insurance works