Home Insurance in Bastrop, TX

State law does not require it. Your lender will, though, and if coverage lapses the lender can place a policy for you that usually costs more and covers less.

Homeowners policies exclude flood, so it takes a separate NFIP or private flood policy. NFIP coverage is available because Bastrop is a participating community, and its current flood map took effect in May 2023. Only about 1 in 79 Bastrop County homes carries NFIP coverage. Buy early, because NFIP coverage generally starts 30 days after purchase.

The estimate cards above model about 40.2% below the local market figure for Bastrop. Treat it as illustrative; your quote depends on the home, roof, claims history and deductible.

FEMA’s National Risk Index rates overall risk in Bastrop County as relatively moderate. The top-rated hazards are tornadoes (relatively high), hail (relatively moderate) and inland flooding (relatively moderate). Flood is the one that needs its own policy; the others are generally covered perils with deductibles.

Search your address on the Bastrop appraisal district site, www.bastropcad.org. Insurers use similar data, so correct any errors in square footage or year built before quoting.

No. TWIA only writes in the 14 first-tier coastal counties and part of Harris County, and Bastrop County is not among them. Your homeowners carrier covers wind and hail.

Usually not. The median owner-estimated value in Bastrop is $339,600, yet that number includes land and location. Carriers estimate replacement cost from size, construction and finishes, and that is what the dwelling limit should follow.

A percentage deductible is calculated on your dwelling limit; for example, 2% of a $300,000 dwelling limit is $6,000 out of pocket per wind or hail claim. A flat-dollar deductible usually costs more in premium but is easier to budget. With 39 reports of inch-plus hail in Bastrop County from 2016 through 2025, it is worth pricing both options.

Usually not. FEMA rates drought risk in Bastrop County as relatively moderate, and dry spells can shift foundations on clay soil, but standard policies exclude settling and earth movement. Foundation damage caused by a covered plumbing leak is a common exception.