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About Kerrville, TX
Kerrville is home to about 23,136 residents and lies within Kerr County.
Kerrville is located in the Kerr County area, and there everyday insurance shopping is shaped more by home characteristics and carrier appetite than by any single landmark.
Most homes are single-family houses typical of the Kerr County area; replacement cost, roof age, and construction type still drive most premium differences block by block.
Carriers rating North Texas homes commonly factor in severe thunderstorms, hail, and tornado risk common across the Plains.
Average home insurance cost in Kerrville
The typical homeowners insurance premium in Kerrville, TX is about $1,851 annually for a typical local home (typical local home value about $400,000). For a $300,000 dwelling, expect around $1,633 per year; for a $600,000 home about $2,298; and for a $1,000,000 dwelling about $2,990. Freedom Insurance Group rates are often about 39% lower — near $1,129 per year for a typical home, roughly $996 for a $300,000 home, about $1,402 for a $600,000 home, and around $1,824 for a $1,000,000 home.
| Dwelling Coverage Limits | Average Annual Premium (incl. Windstorm & Hail Coverage) |
|---|---|
| $100,000 – $200,000 | $1,270 |
| $200,000 – $300,000 | $1,419 |
| $300,000 – $400,000 | $1,742 |
| $400,000 – $500,000 | $1,972 |
| $500,000 – $600,000 | $2,195 |
| $600,000 – $700,000 | $2,370 |
| $700,000 – $800,000 | $2,515 |
| $800,000 – $900,000 | $2,705 |
| $900,000 – $1,000,000 | $2,895 |
Band premiums are midpoints on the Kerrville dwelling curve (typical local home value about $400,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Kerrville, TX, using a typical local home value of about $400,000. Freedom figures apply an approximate 39% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
Coverage basics for homeowners
- Dwelling (Coverage A): It pays to rebuild the structure of your home after a covered loss, and it should keep pace with local rebuilding costs today.
- Other structures (Coverage B): Coverage for anything detached from the main house, for example a fence, shed, or detached garage.
- Coverage C, personal property: This coverage protects furniture, clothing, and everyday belongings inside the home, with special limits that apply to some higher-value categories.
- Loss of use (Coverage D): It can help pay additional living expenses when a covered claim makes the home uninhabitable for a time during repairs.
- Coverage E, personal liability: It responds when you are legally responsible for injuring someone or damaging their property arising from a covered incident.
- Coverage F, medical payments: Visitors’ medical expenses after an injury on your property, usually handled without any formal claim.
Discounts for Kerrville, TX homeowners
| Discount | What it means | Typical amount |
|---|---|---|
| New Home | New construction recently purchased | up to 40% |
| Age of home (5 yrs) | Newer homes | up to 26% |
| Bundle | Home and auto together | up to 25% |
| Upgrades | Electrical, plumbing, heating, roof updates | up to 20% |
| Hail-resistant roof | Class 1–4 impact roof | up to 12% |
| Claims-free | Multi-year claims-free history | up to 5% |
| Security / alarms | Monitored fire or burglar alarm | up to 4% |
| Paid in full | Pay annual premium upfront | up to 7% |
Each carrier decides its own discount menu and sizes. “Up to” marks the top of the range, not a guaranteed amount.
Premium drivers for homeowners in Kerrville
Insurers put together a Kerrville homeowners quote from several connected factors reviewed together. Rebuild cost, roof age and material, and local storm or wildfire exposure tend to move the number most, while deductible choice and claims history can shift the final premium as much as the carrier brand itself.
Replacement cost comes down to a simple question: how much would it take to rebuild this home right now, using comparable materials, at today’s prices for labor and materials? Larger rebuild estimates for Kerrville properties tend to raise premiums since the carrier’s maximum payout rises with that figure.
Frame or masonry walls, what the roof is made of, and overall build quality all shape how the property fares in the wind, hail, and fire common across Texas, which is why construction type and roof details count.
Location risk reflects storm, hail, wildfire, and crime scores that can change by ZIP code and neighborhood within Kerrville, so two homes with similar rebuild costs may still price differently.
A solid fire protection score that reflects hydrant distance, station distance, and protection class tends to make a quote more competitive.
Claims history carries real weight: in Kerrville, claims in the last few years often means higher rates at renewal and on new quotes.
Credit-based insurance score, where state law permits, is one more factor; better scores generally line up with cheaper premiums when the carrier relies on it.
What public data says about Kerrville homes
ACS 2020–2024 estimates put about 11,650 housing units in Kerrville, and owner-occupants live in close to 59% of the occupied homes. Looking at building types, 63% are detached single-family houses, 26% are in buildings with two or more units, and 6.2% are mobile homes.
Home heating in Kerrville runs mainly on electricity (73%) and utility gas (23%).
Half of Kerrville’s homes were built in or before 1983. About 44% of homes were built before 1980, which means system and roof updates can change eligibility and price.
Named places the USGS records in and around Kerrville include Legion and Mount Wesley. Rates can still differ from one section to the next because of construction era and roof condition.
From 2000 on, Kerr County has been part of 8 major disaster declarations; the latest was Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (September 2026).
In FEMA’s National Risk Index, Kerr County rates above the low end for hail (“Relatively Moderate”), tornado (“Relatively Moderate”), winter-weather (“Relatively High”), and strong-wind (“Relatively Moderate”).
NOAA’s Storm Events Database lists 45 hail reports within about 6 miles of Kerrville from 2016 through 2025 (41 at one inch or more). Top size measured 2.75 inches in March 2025 around Kerrville.
Kerrville dates its official start to 1856. The town is named for James Kerr. The Census Bureau counted 20,425 people in Kerrville at the 2000 Census and 22,347 at the 2010 Census; its July 2024 estimate is 25,141. Growth since 2000 comes to roughly 23%.
Older NOAA hail logs add more history: the Storm Prediction Center lists 29 hail reports within 5 miles of Kerrville between 1955 and 2015, the largest 3 inches on June 23, 1994. Reports of 2-inch or bigger hail number 4 in that span. Federal tornado records from NOAA’s Storm Prediction Center list 7 tornadoes that began within 10 miles of Kerrville from 1950 through 2015; the most powerful, rated F2, touched down on November 3, 1959.
Looking at neighboring communities? See our home insurance pages for Fredericksburg (22 mi) and Boerne (30 mi).
Kerrville-area ZIP codes we insure
78028
Home-and-auto bundles in Kerrville, TX
Illustrative average bundling savings, not guaranteed. Actual savings come down to carriers and drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Kerrville, Texas | $258 | $436 | $636 |
See more Texas coverage options
Compare home insurance quotes in Kerrville, TX
Freedom Insurance Group checks 25+ carriers on behalf of Kerrville households. Begin a home quote online or phone (800) 253-1482.
