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Home Insurance in San Saba, TX
How San Saba homes and hazards compare with San Saba County and Texas as a whole, and what the differences mean for your policy.
$3,035/yr
About $253/mo · ~$300k-$400k dwelling class
$1,885/yr
About $157/mo after modeled shopping discount
About 37.9% below local market estimate
San Saba, San Saba County and Texas side by side
| Measure | San Saba | San Saba County | Texas |
|---|---|---|---|
| Median home value | – | $168,700 | $283,800 |
| Median year built | 1971 | 1981 | 1992 |
| Owner-occupied homes | 66% | 72% | 63% |
| Single-family detached | 77% | 80% | 64% |
| Built before 1980 | 58% | 49% | 33% |
| Built 2000 or later | 8% | 23% | 39% |
| Manufactured homes | 3% | 11% | 6% |
San Saba’s homes skew older than the county as a whole: median year built 1971, compared with 1981 across San Saba County. Manufactured homes are less common in San Saba (3% of units) than across San Saba County (11%).
For a small place like San Saba, the survey margin on home values is wide, so the county median of $168,700 is a steadier reference. Land value is part of a sale price but not of a rebuild, so the right Coverage A figure can be well above or below market value.
Hazard ratings for San Saba County
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Relatively Low | 46 hail reports |
| Tornadoes | Very Low | 0 tornadoes |
| Strong wind | Very Low | 7 thunderstorm wind reports |
| Inland flooding | Very Low | 3 flash floods |
| Hurricanes | Very Low | – |
| Wildfire | Relatively Low | – |
| Winter weather | Relatively Low | – |
| Drought | Relatively Moderate | – |
| Lightning | Very Low | – |
Taking all natural hazards together, FEMA rates San Saba County very low. Hazard by hazard, the strongest scores are for drought (relatively moderate).
Counting from 2000, 9 major disaster declarations for natural hazards have included San Saba County. Recent ones: Severe Storms, Straight-line Winds, and Flooding (2025), Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024) and Severe Winter Storms (2021).
Turning the San Saba numbers into coverage choices
- TWIA does not write in San Saba 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 San Saba, a participating community. The effective FEMA flood map for the community is from July 1991. Only about 1 in 27 homes in San Saba County carries an NFIP policy (78 residential policies). Policyholders in the county have filed 13 NFIP claims since 2016. Standard homeowners policies exclude flood, and a new NFIP policy generally has a 30-day waiting period.
- 1971 is the median year built for housing units in San Saba. Homes built before 1980 make up about 58% of the total; those built since 2000 account for 8%. With a stock this mature, insurers often want the roof age and the year the electrical panel and plumbing were last updated before they bind coverage.
Contacts for San Saba homeowners
The San Saba County appraisal district (www.sansabacad.org) publishes the square footage, year built and improvements insurers use to estimate rebuild cost. Its office is at 601 W. Wallace St. San Saba, TX 76877. Watches and warnings for San Saba are issued by NWS San Angelo, TX. The associated NEXRAD radar is KGRK.
For county-level data, San Saba falls under San Saba County. San Saba County is outside any federally defined metro or micro area. Measured point to point, San Saba sits roughly 59 miles west of Killeen.
San Saba coverage questions
How risky is San Saba County for natural hazards?
FEMA’s National Risk Index rates overall risk in San Saba County as very low. The highest individual ratings are for drought (relatively moderate). Flood is the one that needs its own policy; the others are generally covered perils with deductibles.
How much could I save by shopping my San Saba policy?
Our illustrative TX Insurance Resources estimate for San Saba reflects a modeled 37.9% improvement versus the local market anchor. It is an estimate for comparison only; real results vary by home, coverage and carrier.
Does TWIA cover homes in San Saba?
No. TWIA only writes in the 14 first-tier coastal counties and part of Harris County, and San Saba County is not among them. Your homeowners carrier covers wind and hail.
Do I need a local agent for a San Saba home?
No. San Saba is about 59 miles west of Killeen, 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.
Request a San Saba homeowners quote
Texas Insurance Resources shops multiple carriers for you. Call 800-875-4711 or start online.
Sources for this San Saba page
Data reflects the most recent releases available in October 2026; survey figures carry margins of error. The two price cards are modeled estimates from Texas Insurance Resources, not quotes.
- Census Bureau ACS five-year data, San Saba city: structure type, year built, tenure, population, median year built, home value
- National Risk Index (FEMA), San Saba County
- Storm Events Database (NOAA), San Saba County
- Census metro delineation
- Census Gazetteer files
- TWIA coverage area
- OpenFEMA flood insurance data, San Saba County
- County and state comparisons: San Saba County value, San Saba County build year, Texas value
- Comptroller 2024 regions
- NWS San Angelo, TX
- FEMA Community Status Book
- Comptroller CAD listing, San Saba County
- Disaster declarations (FEMA), San Saba County