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Home Insurance in Burnet, TX
A practical plan for buying home insurance in Burnet: the records to pull, the limits to set and the local risks to price in.
A six-step plan for insuring a Burnet home
- Gather your home’s details. The Burnet County appraisal district (www.burnet-cad.org) publishes the square footage, year built and improvements insurers use to estimate rebuild cost. The district office address is 223 S. Pierce St. Burnet, TX 78611-3112.
- Size Coverage A correctly. Owners in Burnet put the median value of their homes at $277,400. That is below the Burnet County median of $344,000. Land value is part of a sale price but not of a rebuild, so the right Coverage A figure can be well above or below market value.
- Choose a wind and hail deductible. Hail turned up 107 times in Burnet County in NOAA’s database between 2016 and 2025. 95 of those involved stones an inch or larger, the size that commonly damages shingles. The biggest stones, 4.25 inches across, fell on April 9, 2024. Ask each carrier for quotes at two deductible levels so the trade-off is visible.
- Confirm who covers wind. Burnet County is outside TWIA’s designated catastrophe area, so wind and hail are normally covered by the homeowners policy itself, often with a separate percentage deductible.
- Look at flood separately. The city takes part in the National Flood Insurance Program, which makes federal flood policies available. Its current effective flood map dates to November 2019. Only about 1 in 20 homes in Burnet County carries an NFIP policy (1,202 residential policies). Policyholders in the county have filed 367 NFIP claims since 2016. A homeowners policy will not pay for rising water; flood is a separate policy, and NFIP coverage typically takes 30 days to begin. Your flood zone is a quick search away on the FEMA Flood Map Service Center.
- Compare quotes on equal terms. Compare roof settlement terms, deductibles and limits, not just premium. Texas Insurance Resources can shop multiple carriers for your Burnet home.
$3,309/yr
About $276/mo · ~$300k-$400k dwelling class
$2,018/yr
About $168/mo after modeled shopping discount
About 39% below local market estimate
Numbers to keep handy
In FEMA’s National Risk Index, Burnet County carries an overall rating of relatively low. Among individual perils, the top ratings go to hail (relatively moderate), tornadoes (relatively moderate) and inland flooding (relatively moderate).
About Burnet
Burnet sits within Burnet County. By federal definition Burnet County is rural, outside every metro and micro area. Measured point to point, Burnet sits roughly 30 miles northwest of Cedar Park.
Detached houses represent about 78% of the housing in Burnet, where 75% of households own their home. According to the Census Bureau, the typical home in Burnet went up around 1982. Pre-1980 houses are about 48% of the stock, and post-2000 houses about 35%.
Burnet is covered by the NWS Austin/San Antonio, TX forecast office, which issues local watches and warnings. The associated NEXRAD radar is KGRK.
Burnet quote questions
How often should I shop coverage in Burnet?
Review it every renewal, and again after a roof replacement, remodel or a major storm season that changes carrier pricing.
Are frozen pipes covered in Burnet?
Generally yes, if a pipe bursts suddenly and you kept the home reasonably heated. FEMA rates winter weather risk in Burnet County as relatively moderate. Slow leaks, mold and wear are commonly excluded.
Do I need a local agent for a Burnet home?
No. Burnet is about 30 miles northwest of Cedar Park, and carriers rate by address, not by where the agent sits. An independent agency can compare several carriers for your exact location by phone or online.
Is a percentage deductible a good idea in Burnet?
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. Burnet County logged 95 reports of hail an inch or larger from 2016 through 2025, so run the numbers both ways.
Ready to price your Burnet home?
Compare carriers with Texas Insurance Resources. Call 800-875-4711 or request a quote online.
About the data
Data reflects the most recent releases available in October 2026; survey figures carry margins of error. Premium figures in the estimate cards are illustrative models, not quotes.
- American Community Survey 2020–2024, Burnet city: structure type, population, median year built, home value, tenure, year built
- NFIP Community Status Book
- Benchmarks: Burnet County value, Burnet County build year
- Census metro delineation
- Census Gazetteer files
- TWIA eligibility
- Texas property tax directory, Burnet County
- Storm Events Database (NOAA), Burnet County
- Comptroller economic regions
- NFIP data (OpenFEMA), Burnet County
- FEMA National Risk Index, Burnet County
- NWS Austin/San Antonio, TX
- FEMA disaster declarations, Burnet County