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Home Insurance in Spicewood, TX
What Spicewood houses look like on paper, including age, type and value, and how each detail feeds into a homeowners quote.
The Spicewood housing stock in numbers
About 86% of homes in the ZIP code area around Spicewood (ZCTA 78669) are detached single-family houses; owners occupy 92% of the occupied units. Manufactured housing accounts for roughly 11% of units; tie-downs, age and skirting can all affect how those homes are insured. Roughly 18% of homes were vacant at survey time, many of them seasonal; if yours sits empty for months, check the policy’s vacancy terms.
Older, newer and in between: Spicewood homes
Census estimates put the median construction year for homes in the ZIP code area around Spicewood (ZCTA 78669) at 2003. Roughly 12% of the housing stock predates 1980 and 59% is from 2000 onward. With so much newer housing, ask carriers whether they offer a new-construction credit and how long it lasts.
$3,274/yr
About $273/mo · ~$300k-$400k dwelling class
$1,974/yr
About $164/mo after modeled shopping discount
About 39.7% below local market estimate
Market value versus rebuild cost in Spicewood
Homeowners in the ZIP code area around Spicewood (ZCTA 78669) report a median value of $671,000. For comparison, Burnet County as a whole comes in at $344,000. Sale prices and rebuild costs can diverge in either direction, which is why carriers run their own replacement-cost estimate for the dwelling limit.
The six parts of a Spicewood homeowners policy
The structure limit. It should equal what it would cost to rebuild at current labor and material prices.
Anything not attached to the house, such as fences, carports and barns. Rural and large-lot properties often need more than the default.
Your belongings. A room-by-room photo inventory makes claims faster.
Loss of use. After a large storm, contractor backlogs can stretch repairs, so this limit matters.
Covers your legal liability for injuries or damage to others; an umbrella policy can extend it.
Small medical bills for guests injured at your home, regardless of fault.
Weather backdrop for Spicewood
FEMA’s National Risk Index rates overall natural-hazard risk in Burnet County as relatively low. Hazard by hazard, the strongest scores are for hail (relatively moderate), tornadoes (relatively moderate) and inland flooding (relatively moderate). NOAA’s Storm Events Database logs 107 hail reports in Burnet County from 2016 through 2025. Stones of one inch or more showed up in 95 of the reports. The biggest stones, 4.25 inches across, fell on April 9, 2024.
Burnet County is outside TWIA’s designated catastrophe area, so wind and hail are normally covered by the homeowners policy itself, often with a separate percentage deductible. The FEMA Flood Map Service Center shows the flood zone for any address.
Local resources for Spicewood homeowners
Square footage and build year on file with the Burnet appraisal district (www.burnet-cad.org) feed straight into replacement-cost estimates, so check them for errors. The district office address is 223 S. Pierce St. Burnet, TX 78611-3112.
For county-level data, Spicewood falls under Burnet County. No metro or micro area includes Burnet County, so it is rural by the federal definition. Spicewood lies west of Cedar Park, around 19 miles away in a straight line.
FAQ: Spicewood home insurance
Why do insurers ask when my Spicewood home was built?
Census estimates put the median build year at 2003, with about 12% of homes older than 1980. Newer homes often qualify for age-of-home credits and are easier to place with more carriers.
Is flood insurance available in Spicewood?
Homeowners policies exclude flood, so it takes a separate NFIP or private flood policy. Only about 1 in 20 Burnet County homes carries NFIP coverage. New NFIP policies usually take 30 days to start.
What does the Spicewood savings estimate on this page mean?
Our illustrative TX Insurance Resources estimate for Spicewood reflects a modeled 39.7% improvement versus the local market anchor. It is an estimate for comparison only; real results vary by home, coverage and carrier.
What home details should I have ready for a Spicewood quote?
Search your address on the Burnet appraisal district site, www.burnet-cad.org. Insurers use similar data, so correct any errors in square footage or year built before quoting.
Get a Spicewood home insurance quote
One call to 800-875-4711 or a short online form gets several carriers working on your quote.
Sources and methodology
Spicewood is unincorporated and not a separate Census place, so Census figures on this page are for ZIP code area 78669, which may extend beyond the community. 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.
- Texas Windstorm Insurance Association
- OpenFEMA NFIP data, Burnet County
- OMB metro and micro areas
- Census Gazetteer files
- Census Bureau ACS five-year data, ZCTA 78669: year built, tenure, structure type, home value, population, median year built
- Comptroller county directory, Burnet County
- Texas Comptroller regions
- FEMA NRI county ratings, Burnet County
- Benchmarks: Burnet County value, Burnet County build year
- NOAA NCEI storm reports, Burnet County