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Home Insurance in Round Rock, TX
Side-by-side numbers for Round Rock, Williamson County and the state, covering housing, hazards and flood insurance.
$3,217/yr
About $268/mo · ~$300k-$400k dwelling class
$1,879/yr
About $157/mo after modeled shopping discount
About 41.6% below local market estimate
Round Rock compared with Williamson County and Texas
| Measure | Round Rock | Williamson County | Texas |
|---|---|---|---|
| Median home value | $418,600 | $447,000 | $283,800 |
| Median year built | 2002 | 2006 | 1992 |
| Owner-occupied homes | 56% | 66% | 63% |
| Single-family detached | 64% | 73% | 64% |
| Built before 1980 | 11% | 9% | 33% |
| Built 2000 or later | 55% | 64% | 39% |
| Manufactured homes | less than 1% | 2% | 6% |
By median build year, Round Rock (2002) and Williamson County (2006) are similar. 56% of occupied homes are owner-occupied in Round Rock, below the Williamson County share of 66%.
The median owner-estimated home value in Round Rock is $418,600. Williamson County as a whole is in the same range, at $447,000. Your dwelling limit should be built from square footage, materials and local labor costs rather than what the house would sell for.
Hazard ratings for Williamson County
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Relatively High | 203 hail reports |
| Tornadoes | Relatively High | 12 tornadoes |
| Strong wind | Relatively Moderate | 54 thunderstorm wind reports |
| Inland flooding | Relatively Moderate | 42 flash floods |
| Hurricanes | Relatively Low | – |
| Wildfire | Relatively Low | – |
| Winter weather | Very High | – |
| Drought | Relatively Moderate | – |
| Lightning | Relatively High | – |
FEMA’s National Risk Index rates overall natural-hazard risk in Williamson County as relatively moderate. Hazard by hazard, the strongest scores are for winter weather (very high), hail (relatively high) and tornadoes (relatively high).
Counting from 2000, 8 major disaster declarations for natural hazards have included Williamson County. The latest declarations were Severe Storms, Straight-line Winds, and Flooding (2025), Severe Winter Storm (2023) and Severe Winter Storms (2021).
Coverage takeaways for Round Rock
- There is no TWIA option in Williamson County, so the homeowners carrier handles wind and hail, and its deductible for those perils can differ from the all-other-perils deductible.
- Round Rock participates in the National Flood Insurance Program, so NFIP policies are available to residents. The flood insurance rate map in effect was issued in December 2019. NFIP data counts 1,949 residential flood policies in Williamson County, about 1 for every 91 homes. NFIP records show 80 flood claims in the county since 2016. Since homeowners forms exclude flood, plan ahead: most NFIP policies only take effect after a 30-day waiting period.
- The median home in Round Rock was built in 2002. Pre-1980 houses are about 11% of the stock, and post-2000 houses about 55%. A young housing stock usually means modern code compliance, which can help with rates; HOA rules and builder warranties may still shape what you need.
Contacts for Round Rock homeowners
Insurers often check the appraisal district record, so confirm that what the Williamson district shows at www.wcad.org matches your home. Its office is at 625 FM 1460 Georgetown, TX 78626-8050. The NWS Austin/San Antonio, TX office handles forecasts and storm warnings for Round Rock. The radar the weather service assigns to this point is KGRK.
County figures on this page refer to Williamson County, which holds the largest share of Round Rock; it also extends into Travis County. The Austin-Round Rock-San Marcos metro area counts Williamson County among its central counties. Austin is the closest larger city, roughly 17 miles away, with Round Rock to its north.
FAQ: Round Rock home insurance
How risky is Williamson County for natural hazards?
Overall, FEMA scores Williamson County as relatively moderate. The highest individual ratings are for winter weather (very high), hail (relatively high) and tornadoes (relatively high). Use that list to decide where higher limits or a lower deductible are worth the premium.
Should I insure my Round Rock home for its market value?
Not necessarily. The Census median home value in Round Rock is $418,600, 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.
Has Round Rock been part of a FEMA disaster declaration?
Since 2000, FEMA has declared 8 natural-hazard major disasters that include Williamson County. 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.
Do I need a local agent for a Round Rock home?
No. Round Rock is about 17 miles north 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.
Get a Round Rock home insurance quote
One call to 800-875-4711 or a short online form gets several carriers working on your quote.
Sources for this Round Rock page
All public data on this page was pulled in October 2026. Census numbers are survey estimates. Price estimates near the top are Texas Insurance Resources models for comparison, not quotes or published averages.
- Census ACS 2020–2024, Round Rock city: year built, population, structure type, tenure, home value, median year built
- FEMA Community Status Book
- National Risk Index (FEMA), Williamson County
- Benchmarks: Williamson County value, Williamson County build year, Texas value
- OpenFEMA NFIP data, Williamson County
- Comptroller CAD listing, Williamson County
- NWS Austin/San Antonio, TX
- Comptroller 2024 regions
- Census metro delineation
- Gazetteer (Census)
- Texas Windstorm Insurance Association
- NOAA NCEI storm reports, Williamson County
- FEMA disaster declarations, Williamson County