AUSTIN
Local $265 /month
$3,180 per year
Estimated average, $300,000 dwelling coverage
Why Pay More?
GET AFFORDABLE HOMEOWNERS INSURANCE RATES IN AUSTIN, TX
Single-Family Home
Townhome
Condo (HO-6)
Mobile / Manufactured Home
Other
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LOWER COSTS, HIGHER SATISFACTION
AVERAGE COST OF HOME INSURANCE IN AUSTIN, TX
Austin homeowners pay an average of $3,180 per year for $300,000 in dwelling coverage with a $1,000 deductible. Spring hail, flash flooding along Central Texas creeks, and wildfire exposure in western neighborhoods bordering open land drive claims, while high property values and construction labor costs in a fast-growing market raise rebuilding expenses.
Statewide, Texas homeowners pay an average of $4,668 per year, about $1,488 more than Austin residents. Coastal regions face hurricane winds, storm surge, and widespread flooding, and North Texas experiences frequent hail and tornadoes. These repeated large-scale losses increase reinsurance costs for carriers, keeping the state average well above Austin’s inland rate.
Nationally, homeowners pay an average of $2,808 per year, placing Austin about 13% higher and Texas roughly 66% above the U.S. figure. Regions with fewer severe storms and lower construction costs pull the national average down. Austin homeowners can narrow the gap with fire-resistant landscaping, roof upgrades, bundled policies, and multi-carrier comparisons.
TEXAS
Statewide $389 /month
$4,668 per year
Estimated average, $300,000 dwelling coverage
USA
National $234 /month
$2,808 per year
Estimated average, $300,000 dwelling coverage
LOCAL RISKS THAT AFFECT HOMEOWNERS INSURANCE IN AUSTIN, TX
Hail and Thunderstorm Damage
A dryline storm on March 28, 2014 produced 1.75-inch hail northeast of Austin and one-inch stones near Spicewood Springs Road and MoPac in north Austin, as documented by the National Weather Service. Spring storms like this make wind and hail coverage, along with a manageable deductible, essential for Austin homeowners.
Policy tip: Ask how roof age affects a wind or hail claim.
Hurricane, Tropical Storm, and Wind Exposure
Although Austin sits well inland, tropical systems still reach the city. During Hurricane Harvey, Austin-Bergstrom International Airport recorded 10.07 inches of rain and a 54 mph wind gust, per the National Weather Service. Gusts of that strength can loosen shingles, damage fences, and drop heavy limbs onto roofs.
Policy tip: Ask how roof age affects a wind or hail claim.
Flooding and Flash Flood Hazards
Halloween 2013 flooding along Onion Creek killed five people and damaged more than 500 Austin homes after some areas received nearly 10 inches of rain in 24 hours, as reported by FEMA. The city later funded buyouts for hundreds of properties in the floodplain to reduce repeat losses.
Policy tip: Ask how roof age affects a wind or hail claim.
Tornado Threat
Tornadoes can form inside Austin city limits. On January 25, 2012, an EF1 tornado with winds near 100 mph struck northeast Austin near Springdale Road and Highway 290, lifting most of the roof off one home and destroying an industrial-park business, as documented by the National Weather Service.
Policy tip: Ask how roof age affects a wind or hail claim.
Drought, Extreme Heat, and Wildfire Risk
Austin endured a record 45 consecutive days at or above 100°F from July 8 to August 21, 2023, according to the National Weather Service. Prolonged heat dries vegetation near greenbelts and hillside neighborhoods, raising wildfire risk, while shrinking clay soil can crack slab foundations under many older homes.
Policy tip: Ask how roof age affects a wind or hail claim.
Winter Storms and Freezing Temperatures
Even brief Arctic blasts can strain Austin homes. In January 2024, the city recorded a record low of 16°F on January 15 and a record-cold high of 24°F that same day, according to the National Weather Service. Exposed pipes in attics and exterior walls are most vulnerable in such weather.
Policy tip: Ask how roof age affects a wind or hail claim.
DO YOU NEED WINDSTORM OR FLOOD INSURANCE IN AUSTIN, TX?
Windstorm or Hail
Austin is not in a Texas Windstorm Insurance Association (TWIA) designated area, since the program serves Gulf Coast communities. Travis County homeowners rely on a standard homeowners insurance policy for wind and hail damage. Spring storms can bring hail and falling tree limbs, so check your wind and hail deductible.
Flood Insurance
This area sits in Flash Flood Alley, where creeks can rise fast after heavy rain. However, standard homeowners policies exclude flood damage, so a separate policy is needed. The National Flood Insurance Program (NFIP) offers coverage to homeowners, usually with a 30-day waiting period, so buy before storm season.
WHAT AFFECTS YOUR HOME INSURANCE RATE IN AUSTIN, TX
Homeowners insurance pricing in Austin reflects a blend of individual, property-specific, and environmental considerations. Insurers assess the homeowner’s background, the structure being protected, and the regional hazards that shape claim frequency across Central Texas. Because each carrier weighs these elements through its own underwriting model, two similar homes in the same neighborhood can receive noticeably different premiums. Your selected coverage limits and deductible also play a direct role in the final cost. Below is a list of factors that affect home insurance rates in Austin:
Home Age and Construction
Roof Age and Material
Distance From the Coast
Home Insurance Claims History
Credit-Based Insurance Score
Dwelling Value and Coverage Limit
Deductible Amount
Home Security and Safety Features
Neighborhood Crime Rate
Foundation or Water Damage Claims
Distance to Fire and Water Services
HOMEOWNERS INSURANCE COVERAGE OPTIONS IN AUSTIN, TX
Dwelling Coverage
This foundational protection, required by mortgage lenders, pays to rebuild your home’s structure and should equal full replacement cost, not market value.
Other Structures Coverage
This section of your policy applies to buildings not attached to your house, such as a workshop, carport, pool house, or perimeter fencing.
Personal Property Coverage
This category reimburses damaged or stolen belongings at 50% to 70% of the home’s limit, with replacement cost payouts available for an added premium.
Loss of Use / Additional Living Expenses
This provision covers rent, temporary lodging, extra food costs, and pet boarding while a covered claim leaves your Austin home uninhabitable.
Personal Liability Coverage
This liability component pays for legal defense and damages for injuries or property damage you cause, with standard limits from $100,000 to $500,000.
Medical Payments Coverage
This guest-injury benefit settles small medical expenses, such as urgent care visits or X-rays, for visitors hurt on your property without proving fault.
Windstorm and Hail Coverage
This weather protection pays for shattered windows, torn shingles, and dented gutters after Central Texas storms, typically subject to a separate deductible.
Flood Insurance
This independent policy, available through the NFIP or private carriers, covers rising-water damage to your structure and belongings that homeowners policies exclude.
Water Backup Coverage
This optional protection handles cleanup and repairs when an overwhelmed sewer line or failed sump pump pushes water into your home.
Foundation Coverage
This specialty option helps cover slab repairs when a hidden plumbing leak beneath the house causes cracking or shifting in the foundation.
HOME INSURANCE DISCOUNTS IN AUSTIN, TX
Homeowners insurance in Texas ranks among the most expensive in the country, which makes available discounts an important part of managing annual costs. Insurers often reduce premiums for homes with impact-resistant roofing, monitored alarm systems, updated electrical or plumbing, and newer construction. Policyholders who combine home and auto coverage, remain claim-free, or stay with the same carrier for several years may also qualify for savings. Asking an agent to review eligibility at each renewal helps ensure no applicable discount is overlooked.
Multi-Policy Discount
Claims-Free Discount
New or Renovated Roof Discount
Monitored Alarm System Discount
Protective Device Discount
Gated Community or HOA Discount
New Home Discount
First-Time Homebuyer Discount
Non-Smoker Discount
Loyalty Discount
Automatic Payment Discount
Paid-in-full Discount
Senior Citizen Discount
Group Discount
Early Renewal Discount
WHY AUSTIN HOMEOWNERS CHOOSE CINCO
Competitive Rates
Industry Expertise
With or Without a License
With Good Credit, Bad Credit, or No Credit
Online/Phone/In-Person Services
Multiple Convenient Locations Near You
FREQUENTLY ASKED QUESTIONS ABOUT HOME INSURANCE IN AUSTIN, TX
How much does homeowners insurance cost in Austin, TX?
Austin homeowners pay an average of $3,180 per year, or about $265 per month, for $300,000 in dwelling coverage with a $1,000 deductible. That is below the Texas average of $4,668.
Do I need separate windstorm or flood coverage in Austin?
Separate windstorm coverage is rarely needed, since Austin policies include wind and hail, and Travis County falls outside TWIA’s coastal area. Flood protection requires its own NFIP or private policy because homeowners insurance excludes it.
What affects homeowners insurance rates in Austin?
Austin premiums reflect rebuilding costs, the home’s square footage, and whether it sits in a wildland-urban interface zone. Distance to fire hydrants, past claims tied to the address, and features like pools also influence pricing.
Does CINCO offer bundled home and auto insurance in Austin?
Yes. CINCO pairs home and auto policies for Austin residents, often unlocking multi-policy savings. Managing both under one carrier means a single renewal date, one point of contact, and coordinated support when claims affect both.
How do I get a homeowners insurance quote in Austin?
Start by calling CINCO or completing the online quote request with your address and basic home details. A licensed CINCO agent then reviews coverage needs, checks discount eligibility, and walks you through policy choices.
LICENSED AND TRUSTED BY AUSTIN HOMEOWNERS
CINCO has served Texas homeowners since 1981, building long-standing client relationships through honest guidance and dependable service. More than 7,000 five-star Google reviews reflect the genuine trust Austin families place in our team, from first-time buyers securing their initial policy to longtime residents updating coverage after renovations or life changes.
Our licensed agents compare homeowners, flood, and bundled auto options to match each household’s risks and budget. Bilingual support in English and Spanish keeps every conversation clear, and our team stays involved after the sale with policy reviews at renewal and guidance whenever a claim needs to be filed.
GET YOUR AUSTIN HOME INSURANCE QUOTE TODAY
Watching your renewal price climb after every storm season is frustrating. Contact us, and we will gladly prepare personalized quotes that keep your Austin home protected at a cost that feels manageable.
Single-Family Home
Townhome
Condo (HO-6)
Mobile / Manufactured Home
Other
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Chris Daniels
Crystal has shown the epitome of professionalism. She has exceptional poise and ability. She is truly an asset to this company and the insurance industry. I look forward to future deals with her.
Google Review
Johnny Reighard
Edward was excellent. He was very friendly and highly knowledgeable, with an easygoing attitude and a down-to-earth personality. He helped us get a fantastic rate.
Google Review
Lloyd
This was a great experience. I enjoyed talking with Amanda. She was very nice, had great energy, and created a good atmosphere. We need more people like her. Thank you, Cinco!
Google Review
Kevin Hernandez
I had a really good experience with Edith. She made everything super easy, explained everything clearly, and helped me get a really good rate. I definitely recommend her.
Google Review
Marcos Guido
Sandy is awesome. She will help you as much as she can. She provided great customer service and was willing to go above and beyond to get me the best rate possible.
Google Review
Cliffton Boykin
Thank you to Julio Leija for assisting me with getting back on track with my coverage. He was polite and patient throughout the process. He helped me find the best insurance rate today!
Google Review
Rick Ciesielski
Maresa was very helpful with my auto insurance coverage. She clearly explained how I could pay my monthly premium online so I could keep my coverage from expiring.
Google Review
Kellye Carothers
Giselle was great at helping me get an insurance quote. She was very polite and helped me a lot. I will be meeting with her tomorrow to get my insurance. I hope you keep her—she’s really sweet.
Google Review
Joss M
I recommend coming here. I went to different insurance places to get quotes, but I had to come back to Cinco Insurance. Monica was a great help and provided the best quotes.
Google Review
Tashara
Denice was awesome in helping me find insurance for my car. I highly recommend her to anyone looking for insurance. She was able to find the lowest premium possible for me.
Google Review
Brandon Reyes
I’d like to thank Karina for helping me out today. She had a very pleasant voice and set everything up for me in a timely manner. I hope she has a blessed day!
Google Review
Edward Medina
Great service! Veronica was very understanding, took great care of me as a customer, and was very professional. Highly recommended for anyone looking for insurance.
Google Review
Arturo Rodriguez
I was looking for insurance during a very crucial moment, and this is where I found my solution. Thank you for the great service, especially Ms. Amanda. I truly appreciate your help.
Google Review
Maria Martinez
Cinco Insurance is awesome. They always answer my questions and are very professional. They always answer incoming calls and return calls in a timely manner. Julio, thank you for helping me.
Google Review
Abby Frausto
Five stars for Edith! She made the process super easy. Her customer service and communication skills were amazing. Thank you so much, Cinco Insurance!
Google Review
Chris Daniels
Crystal has shown the epitome of professionalism. She has exceptional poise and ability. She is truly an asset to this company and the insurance industry. I look forward to future deals with her.
Google Review
Johnny Reighard
Edward was excellent. He was very friendly and highly knowledgeable, with an easygoing attitude and a down-to-earth personality. He helped us get a fantastic rate.
Google Review
Lloyd
This was a great experience. I enjoyed talking with Amanda. She was very nice, had great energy, and created a good atmosphere. We need more people like her. Thank you, Cinco!
Google Review
Kevin Hernandez
I had a really good experience with Edith. She made everything super easy, explained everything clearly, and helped me get a really good rate. I definitely recommend her.
Google Review
Marcos Guido
Sandy is awesome. She will help you as much as she can. She provided great customer service and was willing to go above and beyond to get me the best rate possible.
Google Review
Cliffton Boykin
Thank you to Julio Leija for assisting me with getting back on track with my coverage. He was polite and patient throughout the process. He helped me find the best insurance rate today!
Google Review
Rick Ciesielski
Maresa was very helpful with my auto insurance coverage. She clearly explained how I could pay my monthly premium online so I could keep my coverage from expiring.
Google Review
Kellye Carothers
Giselle was great at helping me get an insurance quote. She was very polite and helped me a lot. I will be meeting with her tomorrow to get my insurance. I hope you keep her—she’s really sweet.
Google Review
Joss M
I recommend coming here. I went to different insurance places to get quotes, but I had to come back to Cinco Insurance. Monica was a great help and provided the best quotes.
Google Review
Tashara
Denice was awesome in helping me find insurance for my car. I highly recommend her to anyone looking for insurance. She was able to find the lowest premium possible for me.
Google Review
Brandon Reyes
I’d like to thank Karina for helping me out today. She had a very pleasant voice and set everything up for me in a timely manner. I hope she has a blessed day!
Google Review
Edward Medina
Great service! Veronica was very understanding, took great care of me as a customer, and was very professional. Highly recommended for anyone looking for insurance.
Google Review
Arturo Rodriguez
I was looking for insurance during a very crucial moment, and this is where I found my solution. Thank you for the great service, especially Ms. Amanda. I truly appreciate your help.
Google Review
Maria Martinez
Cinco Insurance is awesome. They always answer my questions and are very professional. They always answer incoming calls and return calls in a timely manner. Julio, thank you for helping me.
Google Review
Abby Frausto
Five stars for Edith! She made the process super easy. Her customer service and communication skills were amazing. Thank you so much, Cinco Insurance!
Google Review
Chris Daniels
Crystal has shown the epitome of professionalism. She has exceptional poise and ability. She is truly an asset to this company and the insurance industry. I look forward to future deals with her.
Google Review
Johnny Reighard
Edward was excellent. He was very friendly and highly knowledgeable, with an easygoing attitude and a down-to-earth personality. He helped us get a fantastic rate.
Google Review
Lloyd
This was a great experience. I enjoyed talking with Amanda. She was very nice, had great energy, and created a good atmosphere. We need more people like her. Thank you, Cinco!
Google Review
Kevin Hernandez
I had a really good experience with Edith. She made everything super easy, explained everything clearly, and helped me get a really good rate. I definitely recommend her.
Google Review
Marcos Guido
Sandy is awesome. She will help you as much as she can. She provided great customer service and was willing to go above and beyond to get me the best rate possible.
Google Review
Cliffton Boykin
Thank you to Julio Leija for assisting me with getting back on track with my coverage. He was polite and patient throughout the process. He helped me find the best insurance rate today!
Google Review
Rick Ciesielski
Maresa was very helpful with my auto insurance coverage. She clearly explained how I could pay my monthly premium online so I could keep my coverage from expiring.
Google Review
Kellye Carothers
Giselle was great at helping me get an insurance quote. She was very polite and helped me a lot. I will be meeting with her tomorrow to get my insurance. I hope you keep her—she’s really sweet.
Google Review
Joss M
I recommend coming here. I went to different insurance places to get quotes, but I had to come back to Cinco Insurance. Monica was a great help and provided the best quotes.
Google Review
Tashara
Denice was awesome in helping me find insurance for my car. I highly recommend her to anyone looking for insurance. She was able to find the lowest premium possible for me.
Google Review
Brandon Reyes
I’d like to thank Karina for helping me out today. She had a very pleasant voice and set everything up for me in a timely manner. I hope she has a blessed day!
Google Review
Edward Medina
Great service! Veronica was very understanding, took great care of me as a customer, and was very professional. Highly recommended for anyone looking for insurance.
Google Review
Arturo Rodriguez
I was looking for insurance during a very crucial moment, and this is where I found my solution. Thank you for the great service, especially Ms. Amanda. I truly appreciate your help.
Google Review
Maria Martinez
Cinco Insurance is awesome. They always answer my questions and are very professional. They always answer incoming calls and return calls in a timely manner. Julio, thank you for helping me.
Google Review
Abby Frausto
Five stars for Edith! She made the process super easy. Her customer service and communication skills were amazing. Thank you so much, Cinco Insurance!
Google Review
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