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Home Insurance in Kerrville, TX
What Kerrville houses look like on paper, including age, type and value, and how each detail feeds into a homeowners quote.
Kerrville homes at a glance
About 63% of homes in Kerrville are detached single-family houses; owners occupy 59% of the occupied units.
Older, newer and in between: Kerrville homes
The median home in Kerrville was built in 1983. The split is roughly 44% pre-1980 construction versus 27% built from 2000 on. For homes in this age range, carriers mostly focus on the roof: its age, material and any prior hail repairs.
$3,444/yr
About $287/mo · ~$300k-$400k dwelling class
$2,115/yr
About $176/mo after modeled shopping discount
About 38.6% below local market estimate
Setting the dwelling limit in Kerrville
The typical owner-occupied home in Kerrville is valued at about $303,400. The Kerr County median is similar, at $321,200. Keep in mind that Coverage A should follow rebuilding cost, not sale price, since the lot itself does not burn or blow away.
The six parts of a Kerrville homeowners policy
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.
Your belongings. A room-by-room photo inventory makes claims faster.
Hotel, meals and other added costs while the home is uninhabitable after a covered claim.
Covers your legal liability for injuries or damage to others; an umbrella policy can extend it.
Guest medical coverage that can head off a liability claim.
Weather backdrop for Kerrville
Taking all natural hazards together, FEMA rates Kerr County relatively low. Among individual perils, the top ratings go to winter weather (relatively high), lightning (relatively high) and hail (relatively moderate). Over the ten years from 2016 to 2025, NOAA recorded 96 hail events across Kerr County. In 83 cases the hail was an inch across or bigger. The top report was 3-inch hail on May 17, 2016.
TWIA does not write in Kerr County; wind and hail claims go through your regular homeowners policy, which may carry its own wind/hail deductible. Search the FEMA Flood Map Service Center by street address to find your zone.
Where to look up your Kerrville home
Before you request quotes, pull your record from the Kerr appraisal district at www.kerrcad.org; the Texas Comptroller’s Kerr County directory lists its contact details. You can also visit the office at 212 Oak Hollow Dr. Kerrville, TX 78028.
Kerrville sits within Kerr County. The Kerrville micropolitan area includes Kerr County. The nearest bigger city is San Antonio, about 54 miles from Kerrville as the crow flies.
Common questions from Kerrville homeowners
Are most homes in Kerrville old or new?
Half the homes were built by 1983, and roughly 44% are pre-1980, according to the Census Bureau. At this age the roof is the main question, followed by the water heater and supply lines.
How much could I save by shopping my Kerrville policy?
The estimate cards above model about 38.6% below the local market figure for Kerrville. Treat it as illustrative; your quote depends on the home, roof, claims history and deductible.
Does Texas law require home insurance in Kerrville?
Only your lender can require it; Texas itself does not. If the home is paid off, the choice is yours, but one serious storm or fire can cost far more than years of premiums.
Where can I find my property details before getting a quote in Kerrville?
Search your address on the Kerr appraisal district site, www.kerrcad.org. Insurers use similar data, so correct any errors in square footage or year built before quoting.
Ready to price your Kerrville home?
Talk to a licensed Texas Insurance Resources agent at 800-875-4711, or get a quote online.
Sources and methodology
Public data current as of October 2026; Census figures are survey estimates. Price estimates near the top are Texas Insurance Resources models for comparison, not quotes or published averages.
- Census metro delineation
- Census Gazetteer coordinates
- Storm Events Database (NOAA), Kerr County
- FEMA NRI county ratings, Kerr County
- TWIA eligibility
- Texas Comptroller regions
- Comptroller county directory, Kerr County
- Comparison figures: Kerr County value, Kerr County build year
- Census ACS 2020–2024, Kerrville city: structure type, year built, median year built, tenure, home value, population