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Home Insurance in The Hills, TX
See where The Hills stands against county and statewide figures before you compare home insurance quotes.
$3,388/yr
About $282/mo · ~$300k-$400k dwelling class
$1,965/yr
About $164/mo after modeled shopping discount
About 42% below local market estimate
The Hills, Travis County and Texas side by side
| Measure | The Hills | Travis County | Texas |
|---|---|---|---|
| Median home value | $846,000 | $523,000 | $283,800 |
| Median year built | 1996 | 1999 | 1992 |
| Owner-occupied homes | 96% | 52% | 63% |
| Single-family detached | 98% | 52% | 64% |
| Built before 1980 | 3% | 24% | 33% |
| Built 2000 or later | 37% | 48% | 39% |
| Manufactured homes | less than 1% | 3% | 6% |
By median build year, The Hills (1996) and Travis County (1999) are similar. Owner-occupancy is higher than the county figure (96% versus 52%).
Census data shows a median home value of $846,000 in The Hills. That is well above the Travis County median of $523,000. Sale prices and rebuild costs can diverge in either direction, which is why carriers run their own replacement-cost estimate for the dwelling limit.
Travis County hazards and storm counts
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Very High | 152 hail reports |
| Tornadoes | Very High | 5 tornadoes |
| Strong wind | Relatively High | 85 thunderstorm wind reports |
| Inland flooding | Relatively High | 77 flash floods |
| Hurricanes | Relatively Low | – |
| Wildfire | Relatively Moderate | – |
| Winter weather | Relatively Moderate | – |
| Drought | Relatively Low | – |
| Lightning | Relatively High | – |
FEMA’s county-level National Risk Index puts Travis County in the relatively high band overall. The individual hazards that stand out are hail (very high), tornadoes (very high) and inland flooding (relatively high).
Counting from 2000, 14 major disaster declarations for natural hazards have included Travis County. The most recent include Severe Storms, Straight-line Winds, and Flooding (2025), Severe Winter Storm (2023) and Severe Winter Storms (2021).
Coverage takeaways for The Hills
- There is no TWIA option in Travis County, so the homeowners carrier handles wind and hail, and its deductible for those perils can differ from the all-other-perils deductible.
- NFIP flood policies are available in The Hills, a participating community. Its flood map now in force took effect in January 2020. Across Travis County, 6,295 residential NFIP policies were in force, roughly 1 for every 49 homes. Travis County has produced 455 NFIP claims from 2016 on. Since homeowners forms exclude flood, plan ahead: most NFIP policies only take effect after a 30-day waiting period.
- Line up every home in The Hills by age and the one in the middle was built in 1996. Homes built before 1980 make up about 3% of the total; those built since 2000 account for 37%. Houses from this era often have had partial updates, so documenting a newer roof, water heater or HVAC can help when quotes are compared.
Where to verify The Hills details
Your property record, including square footage and year built, is on the Travis appraisal district site at www.traviscad.org (phone 512-834-9317). Its office is at 850 E. Anderson Ln. Austin, TX 78752. Watches and warnings for The Hills are issued by NWS Austin/San Antonio, TX. The radar the weather service assigns to this point is KGRK.
The Hills is in Travis County. In the federal metro delineation, Travis County anchors the Austin-Round Rock-San Marcos metro. By straight-line distance, The Hills is about 14 miles west of Austin.
FAQ: The Hills home insurance
What does FEMA’s risk index say about Travis County?
FEMA’s National Risk Index rates overall risk in Travis County as relatively high. The top-rated hazards are hail (very high), tornadoes (very high) and inland flooding (relatively high). Those are the perils to ask about when you compare deductibles and endorsements.
Is The Hills in the TWIA coverage area?
No, Travis County is not in TWIA territory. Look instead at the wind and hail deductible on your homeowners quotes, since that is where storm costs land.
What is a typical savings range when switching?
The estimate cards above model about 42% below the local market figure for The Hills. Treat it as illustrative; your quote depends on the home, roof, claims history and deductible.
How many major disasters has Travis County seen?
Since 2000, FEMA has declared 14 natural-hazard major disasters that include Travis 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.
Compare The Hills home insurance quotes
Texas Insurance Resources shops multiple carriers for you. Call 800-875-4711 or start online.
Where the The Hills numbers come from
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.
- OpenFEMA flood insurance data, Travis County
- Comparison figures: Travis County value, Travis County build year, Texas value
- NOAA NCEI storm reports, Travis County
- OMB metro and micro areas
- Census Gazetteer coordinates
- Comptroller economic regions
- FEMA National Risk Index, Travis County
- Community Status Book (NFIP)
- Texas property tax directory, Travis County
- Texas Windstorm Insurance Association
- NWS Austin/San Antonio, TX
- FEMA disaster declarations, Travis County
- Census ACS 2020–2024, The Hills village: median year built, home value, year built, structure type, population, tenure