Serving 6,403 residents at the US-281, SH-29 courthouse crossroads (county-wide (Capital Region); ZIP 78611), local underwriting reflects 107 recorded hailstorms (peak 4.25" stone in 2023), $397,900 masonry and ranch dwellings, and a 22.7 per-100k rural highway crash rate.
Calibrated to $397,900 (Zillow City ZHVI (Sept 2026)). Given 107 recorded hailstorms (reaching 4.25" in 2023), test how 1% ($3,979) vs. 2% ($7,958) roof deductibles and metal cosmetic-hail rules impact your household reserve.
| Metric | FIPS 48053 territory | TX Benchmark | Delta / Rating Signal |
|---|---|---|---|
| NOAA Hail (2016–2025) | 107 events (4.25" max, 2023) | 33 median | +74 vs. TX county median |
| Severe Wind & Tornadoes | 30 wind • 4 tornadoes | 30 wind med. | +0 wind events (67.3% rural area) |
| FEMA NFIP Penetration | 1,202 policies (7.7% SFHA) | 504,754 TX total | 1,829 of 23,877 homes in SFHA |
| Disaster Declarations (20-Yr) | 12 federal events | FEMA Title V | Latest: Severe Storms, Straight-Line Winds, And Flooding (2025) |
| Typical Dwelling Value | $397,900 | $206,100 med. | 1.93× TX county median (+9.9% pop.) |
| Owner / Renter Split | 79.4% Own / 20.6% Rent | 62.4% / 37.6% | -17.0 pts renter share ($74,897 med. inc.) |
| Commute & Corridors | 71.5% solo (41.0% 30m+) | 38.9% 30m+ | Routes: US-281, SH-29, RM-1431, SH-71 |
| Traffic Fatality Index | 22.7 / 100k | 13.5 / 100k | 1.68× statewide crash mortality |
| Private Businesses (CBP) | 1,553 establishments | NAICS census | Construction & Specialty Trades (286); Retail Trade & Dealerships (196); Auto Repair, Equipment & Personal Services (151) |
| Appraisal & Jurisdiction | Local Appraisal District | Capital | FIPS 48053 • 994.8 sq. mi. |
At a $397,900 typical dwelling value across county-wide (Capital Region), a 2% wind/hail deductible means $7,958 out-of-pocket (vs. $3,979 at 1%) in a territory that logged 107 hail events since 2016. Check roof age depreciation rules and detached barn/shop Coverage B limits.
High-speed rural travel on US-281, SH-29 carries elevated deer-strike and severe collision exposure (22.7 per-100k fatality rate vs. 13.5 TX). Keep Comprehensive physical damage and 100/300/100 UM/UIM active on family trucks and RVs.
With 286 Construction & Specialty Trades contractors and Retail Trade & Dealerships businesses operating locally, our commercial desk issues General Liability COIs, commercial pickup/trailer policies, and municipal license/permit bonds.
Intense Hill Country cloudbursts (Severe Storms, Straight-Line Winds, And Flooding (2025)) flood low-water corridors outside mapped floodplains (1,202 active NFIP contracts). Compare Zone X/AE flood and rental property DP-3 options.
Spanning 994.8 sq. miles across county-wide (Capital Region), nearby communities share regional storm and court-venue rating factors:
| Place | ZIP | Population | Type |
|---|---|---|---|
| Burnet | 78611 | 6,403 | County Seat |
| Marble Falls | 78654 | 6,892 | CITY |
| Granite Shoals | 78654 | 5,086 | CITY |
| Meadowlakes | 78654 | 1,991 | CITY |
| Bertram | 78605 | 1,852 | CITY |
| Cottonwood Shores | 78657 | 1,630 | CITY |
| Highland Haven | 78654 | 452 | CITY |
Following 107 NOAA hail reports (peaking at 4.25" in 2023) and 30 high-wind gusts across county-wide (Capital Region), many carriers depreciate roofs older than 12–15 years onto Actual Cash Value (ACV) schedules. Comparing full Replacement Cost (RCV) carriers alongside $3,979 (1%) vs. $7,958 (2%) deductibles prevents surprise claim gaps.
Never—HO-3, DP-3, and commercial property forms exclude surface water and rising floodwaters. OpenFEMA tracks 1,202 active residential flood policies and 1,829 SFHA structures (7.7%) locally across 12 disaster declarations; compare NFIP and private flood side by side.
Only if your vehicle carries Comprehensive (Other Than Collision) coverage. Collision-only or liability-only policies pay nothing for animal strikes, windshield hail cracks (4.25" peak county stone), theft, or flash-flood submergence.
Under Texas Labor Code §406.005, private employers may elect non-subscriber status, though general contractors and commercial leases across 1,553 local firms frequently require statutory Workers' Comp and Waiver of Subrogation before site access.
Our TDI-licensed producers quote 24 personal, property, flood, recreational, commercial fleet, contractor, and surety lines digitally across postal area 78611 and statewide. We do not write life insurance, pet insurance, or standalone coastal TWIA windstorm policies.
Digital intake for Burnet • Bundle Personal, Property, Flood, or Commercial.
