Home / Texas Home Insurance Locations / Fredericksburg
Home Insurance in Fredericksburg, TX
See where Fredericksburg stands against county and statewide figures before you compare home insurance quotes.
$3,212/yr
About $268/mo · ~$300k-$400k dwelling class
$2,036/yr
About $170/mo after modeled shopping discount
About 36.6% below local market estimate
Fredericksburg compared with Gillespie County and Texas
| Measure | Fredericksburg | Gillespie County | Texas |
|---|---|---|---|
| Median home value | $460,300 | $460,700 | $283,800 |
| Median year built | 1986 | 1991 | 1992 |
| Owner-occupied homes | 63% | 75% | 63% |
| Single-family detached | 75% | 73% | 64% |
| Built before 1980 | 41% | 34% | 33% |
| Built 2000 or later | 32% | 37% | 39% |
| Manufactured homes | 3% | 15% | 6% |
The housing stock in Fredericksburg is older than Gillespie County’s overall, by median build year (1986 versus 1991). 63% of occupied homes are owner-occupied in Fredericksburg, below the Gillespie County share of 75%. Manufactured homes are less common in Fredericksburg (3% of units) than across Gillespie County (15%).
Owners in Fredericksburg put the median value of their homes at $460,300. The Gillespie County median is similar, at $460,700. Sale prices and rebuild costs can diverge in either direction, which is why carriers run their own replacement-cost estimate for the dwelling limit.
Hazard ratings for Gillespie County
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Relatively Moderate | 71 hail reports |
| Tornadoes | Relatively Moderate | 1 tornadoes |
| Strong wind | Relatively Low | 14 thunderstorm wind reports |
| Inland flooding | Relatively Low | 18 flash floods |
| Hurricanes | Very Low | – |
| Wildfire | Relatively Low | – |
| Winter weather | Relatively Moderate | – |
| Drought | Relatively Moderate | – |
| Lightning | Relatively Moderate | – |
In FEMA’s National Risk Index, Gillespie County carries an overall rating of relatively low. Its leading hazards, by rating, are hail (relatively moderate), tornadoes (relatively moderate) and winter weather (relatively moderate).
Counting from 2000, 7 major disaster declarations for natural hazards have included Gillespie County. Among the most recent are Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2026), Severe Winter Storm (2023) and Severe Winter Storms (2021).
What the comparison means for your policy
- TWIA does not write in Gillespie County; wind and hail claims go through your regular homeowners policy, which may carry its own wind/hail deductible.
- NFIP flood policies are available in Fredericksburg, a participating community. Its flood map now in force took effect in October 2001. Across Gillespie County, 153 residential NFIP policies were in force, roughly 1 for every 82 homes. Standard homeowners policies exclude flood, and a new NFIP policy generally has a 30-day waiting period.
- The median home in Fredericksburg was built in 1986. About 41% of homes went up before 1980, while 32% were built in 2000 or later. For homes in this age range, carriers mostly focus on the roof: its age, material and any prior hail repairs.
Contacts for Fredericksburg homeowners
Before you request quotes, pull your record from the Gillespie appraisal district at www.gillespiecad.org; the Texas Comptroller’s Gillespie County directory lists its contact details. The district office address is 1159 S. Milam St. Fredericksburg, TX 78624. The NWS Austin/San Antonio, TX office handles forecasts and storm warnings for Fredericksburg. The radar the weather service assigns to this point is KEWX.
The county for Fredericksburg is Gillespie County. The Fredericksburg micropolitan area includes Gillespie County. Fredericksburg lies north of San Antonio, around 59 miles away in a straight line.
Questions Fredericksburg homeowners ask
How risky is Gillespie County for natural hazards?
Overall, FEMA scores Gillespie County as relatively low. The top-rated hazards are hail (relatively moderate), tornadoes (relatively moderate) and winter weather (relatively moderate). Use that list to decide where higher limits or a lower deductible are worth the premium.
Has Fredericksburg been part of a FEMA disaster declaration?
Since 2000, FEMA has declared 7 natural-hazard major disasters that include Gillespie County. The most recent was Severe Storms, Straight-line Winds, Tornadoes, and Flooding, declared in September 2026. Disaster aid rarely covers a full rebuild, which is why adequate limits matter.
Do I need a local agent for a Fredericksburg home?
No. Fredericksburg is about 59 miles north of San Antonio, 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.
Should I insure my Fredericksburg home for its market value?
Not necessarily. The Census median home value in Fredericksburg is $460,300, but Coverage A should match the cost to rebuild, which excludes land and can be higher or lower than market value. Ask for a replacement-cost estimate based on square footage and finishes.
Ready to price your Fredericksburg home?
Talk to a licensed Texas Insurance Resources agent at 800-875-4711, or get a quote online.
Sources and methodology
Figures were retrieved in October 2026 and are estimates with margins of error. Price estimates near the top are Texas Insurance Resources models for comparison, not quotes or published averages.
- Community Status Book (NFIP)
- NWS Austin/San Antonio, TX
- Benchmarks: Gillespie County value, Gillespie County build year, Texas value
- FEMA declared disasters, Gillespie County
- Storm Events Database (NOAA), Gillespie County
- Census CBSA delineation
- Census Gazetteer files
- Texas Windstorm Insurance Association
- American Community Survey 2020–2024, Fredericksburg city: home value, year built, tenure, median year built, population, structure type
- NFIP data (OpenFEMA), Gillespie County
- Comptroller economic regions
- FEMA NRI county ratings, Gillespie County
- Comptroller county directory, Gillespie County