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Home Insurance in Anderson Mill, TX
The local housing stock, explained for Anderson Mill homeowners shopping for coverage.
Anderson Mill homes at a glance
In the ZIP code areas around Anderson Mill (ZCTA 78729 and 78750), 50% of occupied homes are lived in by their owners and 53% of units are detached houses. Buildings with five or more units make up about 33% of the housing, so condo (HO-6) and renters policies are a big part of the local picture.
Older, newer and in between: Anderson Mill homes
Pre-1980 houses are about 19% of the stock, and post-2000 houses about 27%. Homes from the 1980s and 1990s are now old enough that many are on a second roof, and insurers commonly ask when it was replaced.
$3,191/yr
About $266/mo · ~$300k-$400k dwelling class
$1,803/yr
About $150/mo after modeled shopping discount
About 43.5% below local market estimate
Market value versus rebuild cost in Anderson Mill
Census median home values are $476,200 in ZCTA 78729 and $601,800 in ZCTA 78750. Market value includes land and location, so it is not the same as the cost to rebuild; insure the dwelling to a replacement-cost estimate instead.
The six parts of a Anderson Mill homeowners policy
The structure limit. It should equal what it would cost to rebuild at current labor and material prices.
Fences and outbuildings. The default limit is often a percentage of Coverage A, which can be too low on larger lots.
Contents coverage, with special lower limits for jewelry, firearms and collectibles unless scheduled.
Extra living costs if a covered loss forces you out during repairs.
Covers lawsuits for injuries or property damage you are responsible for; many owners choose at least $300,000.
Small medical bills for guests injured at your home, regardless of fault.
Storm and flood context for Anderson Mill
In FEMA’s National Risk Index, Williamson County carries an overall rating of relatively moderate. The highest-rated individual hazards are winter weather (very high), hail (relatively high) and tornadoes (relatively high). From 2016 to 2025, 203 hail events were recorded in Williamson County in NOAA’s Storm Events Database. Stones of one inch or more showed up in 163 of the reports. On September 24, 2023, observers reported hail as large as 4 inches.
Since Williamson County is not a TWIA county, look at how your homeowners policy handles wind and hail, including whether that deductible is a flat amount or a percentage of the dwelling limit. Your flood zone is a quick search away on the FEMA Flood Map Service Center.
Where to look up your Anderson Mill home
Your property record, including square footage and year built, is on the Williamson appraisal district site at www.wcad.org (phone 512-930-3787). You can also visit the office at 625 FM 1460 Georgetown, TX 78626-8050.
The county for Anderson Mill is Williamson County. Williamson County forms part of the urban core of the Austin-Round Rock-San Marcos metro. By straight-line distance, Anderson Mill is about 8 miles southwest of Round Rock.
Anderson Mill housing and coverage questions
Is homeowners coverage mandatory for Anderson Mill homeowners?
There is no state requirement. Mortgage contracts, HOA rules and some condo bylaws are what usually make coverage mandatory.
What coverage do landlords and tenants need in Anderson Mill?
Renters occupy about 50% of homes in Anderson Mill. Landlords generally need a DP-1, DP-2 or DP-3 dwelling policy, and tenants need renters insurance, because the landlord’s policy does not cover a tenant’s belongings.
How do I check what the appraisal district has on file for my Anderson Mill home?
The Williamson appraisal district website (www.wcad.org) lists square footage, year built and improvements for your property. Have those, plus your roof’s age and material, ready before you compare quotes.
How often should I shop coverage in Anderson Mill?
Review it every renewal, and again after a roof replacement, remodel or a major storm season that changes carrier pricing.
Request an Anderson Mill homeowners quote
Texas Insurance Resources shops multiple carriers for you. Call 800-875-4711 or start online.
Sources for this Anderson Mill page
Anderson Mill is no longer a separate Census place. Census figures on this page are for ZIP code areas 78729 and 78750, which include Anderson Mill and surrounding parts of northwest Austin. All public data on this page was pulled in October 2026. Census numbers are survey estimates. Premium figures in the estimate cards are illustrative models, not quotes.
- Texas property tax directory, Williamson County
- Census ACS 2020–2024, ZCTA 78729, 78750: population, year built, tenure, structure type, home value, median year built
- TWIA coverage area
- Storm Events Database (NOAA), Williamson County
- Comptroller economic regions
- OMB metro and micro areas
- Census Gazetteer coordinates
- National Risk Index (FEMA), Williamson County