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Home Insurance in Cedar Creek, TX
Shopping for coverage in Cedar Creek? Work through these steps in order and you will compare quotes on equal terms.
Buying Cedar Creek home insurance, step by step
- Start with the appraisal record. Before you request quotes, pull your record from the Bastrop appraisal district at www.bastropcad.org; the Texas Comptroller’s Bastrop County directory lists its contact details. The district office address is 212 Jackson St. Bastrop, TX 78602.
- Set the dwelling limit from rebuild cost. Owners in Cedar Creek put the median value of their homes at $279,400. That is close to the Bastrop County median of $314,800. Keep in mind that Coverage A should follow rebuilding cost, not sale price, since the lot itself does not burn or blow away.
- Pick deductibles with local storms in mind. Bastrop County had 51 hail reports in NOAA’s storm records for 2016 through 2025. 39 of those involved stones an inch or larger, the size that commonly damages shingles. The top report was 5.5-inch hail on March 18, 2018. Price both a flat and a percentage wind/hail deductible before choosing.
- Sort out windstorm coverage. There is no TWIA option in Bastrop County, so the homeowners carrier handles wind and hail, and its deductible for those perils can differ from the all-other-perils deductible.
- Do not skip the flood question. Homes outside city limits fall under Bastrop County’s NFIP participation, so federal flood policies are available. NFIP data counts 474 residential flood policies in Bastrop County, about 1 for every 79 homes. Since 2016, 139 NFIP flood claims have come from Bastrop County. Flood needs its own policy, and buying one right before a storm will not help because of the usual 30-day wait. You can check your flood zone by address at the FEMA Flood Map Service Center.
- Compare quotes on equal terms. Use identical limits and deductibles across quotes so price differences are real. Request Cedar Creek quotes from several carriers through one form.
$3,186/yr
About $266/mo · ~$300k-$400k dwelling class
$1,832/yr
About $153/mo after modeled shopping discount
About 42.5% below local market estimate
Local figures for your Cedar Creek quote
FEMA’s county-level National Risk Index puts Bastrop County in the relatively moderate band overall. Its leading hazards, by rating, are tornadoes (relatively high), hail (relatively moderate) and inland flooding (relatively moderate).
Getting to know Cedar Creek
Cedar Creek sits within Bastrop County. The federal delineation treats Bastrop County as part of the wider Austin-Round Rock-San Marcos metro, on its outer ring. The nearest bigger city is Austin, about 21 miles from Cedar Creek as the crow flies.
The owner-occupancy rate is around 91%, and roughly 39% of all units are stand-alone single-family homes. About 61% of units are manufactured homes, which typically need a policy built for that construction type. Half of the housing in Cedar Creek dates from 2002 or earlier, per Census estimates. About 3% of homes went up before 1980, while 62% were built in 2000 or later.
Watches and warnings for Cedar Creek are issued by NWS Austin/San Antonio, TX. The radar the weather service assigns to this point is KEWX.
Cedar Creek quote questions
When is the best time to compare home insurance in Cedar Creek?
At least once a year at renewal. A new roof, security system or claim-free history can each change which carrier is cheapest.
Are frozen pipes covered in Cedar Creek?
Generally yes, if a pipe bursts suddenly and you kept the home reasonably heated. FEMA rates winter weather risk in Bastrop County as relatively moderate. Slow leaks, mold and wear are commonly excluded.
Do I need a local agent for a Cedar Creek home?
No. Cedar Creek is about 21 miles southeast of Austin, 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.
How do wind and hail deductibles work in Cedar Creek?
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.
Ready to price your Cedar Creek home?
Compare carriers with Texas Insurance Resources. Call 800-875-4711 or request a quote online.
Sources and methodology
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.
- NOAA Storm Events Database, Bastrop County
- Benchmarks: Bastrop County value, Bastrop County build year
- Census metro delineation
- Census Gazetteer coordinates
- FEMA NRI county ratings, Bastrop County
- NWS Austin/San Antonio, TX
- NFIP data (OpenFEMA), Bastrop County
- Comptroller CAD listing, Bastrop County
- American Community Survey 2020–2024, Cedar Creek CDP: tenure, home value, year built, population, structure type, median year built
- Comptroller 2024 regions
- TWIA eligibility
- Disaster declarations (FEMA), Bastrop County