Home Insurance in Marble Falls, TX

Texas does not mandate homeowners insurance, yet nearly every mortgage requires it. Owners without a loan still carry the full cost of a fire, hail or theft loss if uninsured.

Flood is not part of a homeowners policy; it is bought separately through the NFIP or a private insurer. Marble Falls participates in the National Flood Insurance Program, and its current flood map took effect in November 2019. Only about 1 in 20 Burnet County homes carries NFIP coverage. Most NFIP policies begin after a 30-day wait, so do not wait for a storm forecast.

Generally no. Settling and earth movement are excluded on most homeowners forms, even though drought, rated relatively moderate in Burnet County by FEMA, can move foundations. A covered water leak that damages the slab may be the exception.

No. Marble Falls is about 28 miles west 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.

Burnet County has been included in 9 natural-hazard major disaster declarations since 2000. The most recent was Severe Storms, Straight-line Winds, and Flooding, declared in July 2025. FEMA assistance is capped and is not a substitute for insurance.

Review it every renewal, and again after a roof replacement, remodel or a major storm season that changes carrier pricing.

The median home was built in 2001, and about 21% predate 1980, per Census estimates. Many newer homes earn new-construction discounts for their first years.

FEMA’s National Risk Index rates overall risk in Burnet County as relatively low. The top-rated hazards are hail (relatively moderate), tornadoes (relatively moderate) and inland flooding (relatively moderate). Flood is the one that needs its own policy; the others are generally covered perils with deductibles.

Not necessarily. The Census median home value in Marble Falls is $338,800, 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.