Home / Texas Home Insurance Locations / Wimberley
Home Insurance in Wimberley, TX
Side-by-side numbers for Wimberley, Hays County and the state, covering housing, hazards and flood insurance.
$3,259/yr
About $272/mo · ~$300k-$400k dwelling class
$2,060/yr
About $172/mo after modeled shopping discount
About 36.8% below local market estimate
Wimberley compared with Hays County and Texas
| Measure | Wimberley | Hays County | Texas |
|---|---|---|---|
| Median home value | – | $399,800 | $283,800 |
| Median year built | – | 2007 | 1992 |
| Owner-occupied homes | 67% | 64% | 63% |
| Single-family detached | 81% | 66% | 64% |
| Built before 1980 | 20% | 12% | 33% |
| Built 2000 or later | 41% | 66% | 39% |
| Manufactured homes | 3% | 6% | 6% |
For a small place like Wimberley, the survey margin on home values is wide, so the county median of $399,800 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.
Weather risk in Hays County, rated
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Relatively High | 63 hail reports |
| Tornadoes | Relatively High | 4 tornadoes |
| Strong wind | Relatively High | 37 thunderstorm wind reports |
| Inland flooding | Relatively Moderate | 37 flash floods |
| Hurricanes | Relatively Low | – |
| Wildfire | Relatively Low | – |
| Winter weather | Relatively High | – |
| Drought | Relatively Moderate | – |
| Lightning | Relatively High | – |
Hays County lands in the relatively moderate category of FEMA’s National Risk Index. The individual hazards that stand out are hail (relatively high), tornadoes (relatively high) and winter weather (relatively high).
Natural hazards have put Hays County in 9 federal major disaster declarations since 2000. The most recent include Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024), Severe Winter Storm (2023) and Severe Winter Storms (2021).
Coverage takeaways for Wimberley
- There is no TWIA option in Hays County, so the homeowners carrier handles wind and hail, and its deductible for those perils can differ from the all-other-perils deductible.
- The city takes part in the National Flood Insurance Program, which makes federal flood policies available. The flood insurance rate map in effect was issued in January 2025. Only about 1 in 43 homes in Hays County carries an NFIP policy (1,620 residential policies). Hays County has produced 93 NFIP claims from 2016 on. A homeowners policy will not pay for rising water; flood is a separate policy, and NFIP coverage typically takes 30 days to begin.
- Pre-1980 houses are about 20% of the stock, and post-2000 houses about 41%. Original water heaters and supply lines in homes of this age are a frequent source of water claims, so replacing them can make a home easier to insure.
Contacts for Wimberley homeowners
Your property record, including square footage and year built, is on the Hays appraisal district site at www.hayscad.com (phone 512-268-2522). The district office address is 21001 N. IH 35 Kyle, TX 78640-4795. Wimberley is covered by the NWS Austin/San Antonio, TX forecast office, which issues local watches and warnings. The associated NEXRAD radar is KEWX.
Wimberley belongs to Hays County. Hays County forms part of the urban core of the Austin-Round Rock-San Marcos metro. By straight-line distance, Wimberley is about 12 miles northwest of San Marcos.
Questions Wimberley homeowners ask
Which weather risks matter for insuring a home in Wimberley?
Hays County is rated relatively moderate overall in FEMA’s National Risk Index. The top-rated hazards are hail (relatively high), tornadoes (relatively high) and winter weather (relatively high). Those are the perils to ask about when you compare deductibles and endorsements.
How much could I save by shopping my Wimberley policy?
Our illustrative TX Insurance Resources estimate for Wimberley reflects a modeled 36.8% improvement versus the local market anchor. It is an estimate for comparison only; real results vary by home, coverage and carrier.
Do I have to carry homeowners insurance in Wimberley?
There is no state requirement. Mortgage contracts, HOA rules and some condo bylaws are what usually make coverage mandatory.
Do I need a local agent for a Wimberley home?
No. Wimberley is about 12 miles northwest of San Marcos, 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.
Ready to price your Wimberley home?
Texas Insurance Resources shops multiple carriers for you. Call 800-875-4711 or start online.
Sources and methodology
Figures were retrieved in October 2026 and are estimates with margins of error. The two price cards are modeled estimates from Texas Insurance Resources, not quotes.
- Comptroller county directory, Hays County
- Disaster declarations (FEMA), Hays County
- NOAA NCEI storm reports, Hays County
- NWS Austin/San Antonio, TX
- Benchmarks: Hays County value, Hays County build year, Texas value
- OMB metro and micro areas
- Census Gazetteer coordinates
- Community Status Book (NFIP)
- Comptroller 2024 regions
- Texas Windstorm Insurance Association
- National Risk Index (FEMA), Hays County
- American Community Survey 2020–2024, Wimberley city: tenure, population, home value, structure type, median year built, year built
- NFIP data (OpenFEMA), Hays County