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Home Insurance in Hornsby Bend, TX
Half of the homes in Hornsby Bend were built in 2009 or earlier. Here is how the local housing stock shapes coverage and price.
The Hornsby Bend housing stock in numbers
Owners live in 73% of occupied homes, and detached single-family houses account for about 96% of the stock.
Why build year matters in Hornsby Bend
According to the Census Bureau, the typical home in Hornsby Bend went up around 2009. Homes built before 1980 make up about 9% of the total; those built since 2000 account for 76%. Newer construction tends to earn better pricing because roofs, wiring and plumbing are recent, and some carriers add a new-home credit for the first years.
$3,038/yr
About $253/mo · ~$300k-$400k dwelling class
$1,723/yr
About $144/mo after modeled shopping discount
About 43.3% below local market estimate
Market value versus rebuild cost in Hornsby Bend
Owners in Hornsby Bend put the median value of their homes at $314,900. That is below the Travis County median of $523,000. Sale prices and rebuild costs can diverge in either direction, which is why carriers run their own replacement-cost estimate for the dwelling limit.
Coverage A through F for a Hornsby Bend home
The structure limit. It should equal what it would cost to rebuild at current labor and material prices.
Detached garages, fences, sheds and workshops, often set at 10% of Coverage A by default. Rural and large-lot properties often need more than the default.
Furniture, clothing and electronics. Replacement-cost settlement pays more than actual cash value after a loss.
Loss of use. After a large storm, contractor backlogs can stretch repairs, so this limit matters.
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.
Hazards Hornsby Bend homes are exposed to
In FEMA’s National Risk Index, Travis County carries an overall rating of relatively high. Its leading hazards, by rating, are hail (very high), tornadoes (very high) and inland flooding (relatively high). From 2016 to 2025, 152 hail events were recorded in Travis County in NOAA’s Storm Events Database. Quarter-size or larger stones, an inch and up, appear in 121 of them. On September 24, 2023, observers reported hail as large as 3 inches.
TWIA does not write in Travis County; wind and hail claims go through your regular homeowners policy, which may carry its own wind/hail deductible. Your flood zone is a quick search away on the FEMA Flood Map Service Center.
Records to check before you quote
Square footage and build year on file with the Travis appraisal district (www.traviscad.org) feed straight into replacement-cost estimates, so check them for errors. You can also visit the office at 850 E. Anderson Ln. Austin, TX 78752.
Hornsby Bend is in Travis County. The Austin-Round Rock-San Marcos metro area counts Travis County among its central counties. The nearest bigger city is Austin, about 11 miles from Hornsby Bend as the crow flies.
Hornsby Bend housing and coverage questions
How old are homes in Hornsby Bend, and does that change my rate?
Half the homes were built by 2009, and roughly 9% are pre-1980, according to the Census Bureau. Many newer homes earn new-construction discounts for their first years.
Does homeowners insurance in Hornsby Bend cover flooding?
Flood is not part of a homeowners policy; it is bought separately through the NFIP or a private insurer. Only about 1 in 49 Travis County homes carries NFIP coverage. Buy early, because NFIP coverage generally starts 30 days after purchase.
What does the Hornsby Bend savings estimate on this page mean?
Our illustrative TX Insurance Resources estimate for Hornsby Bend reflects a modeled 43.3% improvement versus the local market anchor. It is an estimate for comparison only; real results vary by home, coverage and carrier.
Should I compare quotes every year in Hornsby Bend?
Review it every renewal, and again after a roof replacement, remodel or a major storm season that changes carrier pricing.
Ready to price your Hornsby Bend home?
Talk to a licensed Texas Insurance Resources agent at 800-875-4711, or get a quote online.
About the data
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.
- Comptroller county directory, Travis County
- TWIA coverage area
- FEMA National Risk Index, Travis County
- Comptroller 2024 regions
- NOAA Storm Events Database, Travis County
- Census ACS 2020–2024, Hornsby Bend CDP: population, home value, structure type, year built, median year built, tenure
- Census metro delineation
- Census Gazetteer files
- Comparison figures: Travis County value, Travis County build year
- NFIP data (OpenFEMA), Travis County