Bordering the Highland Lakes along US-281, SH-29 in Burnet County (53,991 residents; ZIP 78611), $419,300 typical home values intersect 107 decade NOAA hail events (max 4.25"), 1,202 active county NFIP flood contracts (7.7% SFHA share), and year-round watercraft and builder activity.
Modeled around $419,300 typical custom Hill Country rebuild values (Zillow ZHVI (Sept 2026)). Compare 1% ($4,193), 2% ($8,386), and 3% ($12,579) wind/hail thresholds side by side.
| Metric | Burnet Co. | 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 | $419,300 | $206,100 med. | 2.03× 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 | Burnet Central Appraisal District | Capital | FIPS 48053 • 994.8 sq. mi. |
On $419,300 typical Highland Lakes homes, 107 recorded hailstorms make comparing $4,193 (1%) vs. $8,386 (2%) storm deductibles critical—especially checking whether carriers attach cosmetic hail-dent exclusions on standing-seam metal roofs.
Standard homeowners policies exclude Colorado River / lake surge and flash-flood runoff (12 federal disaster declarations). Pair high-limit private flood ($500k+) with agreed-value boat, pontoon, and PWC coverage.
Construction & Specialty Trades leads Burnet County's economy (286 of 1,553 firms). Custom home builders, remodelers, and marine/HVAC trades secure Builders Risk, Blanket Additional Insured GL, and Inland Marine tool floaters.
Divided-highway tourist and quarry truck traffic along US-281, SH-29 elevates severe-injury liability risk. Compare 100/300/100 auto policies paired with $1M–$5M excess personal umbrella protection.
All incorporated places and residential ZCTAs across 994.8 sq. miles (78611, 76550, 78605, 78654, 78669, 78608):
| Place | ZIP | Population | Type |
|---|---|---|---|
| Marble Falls | 78654 | 6,892 | CITY |
| Burnet | Shared ZCTA | 6,403 | County Seat |
| 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 |
| Briggs | 78608 | 18 | CDP |
Yes—across Burnet County (107 decade hail events; 30 wind events), certified UL 2218 Class 4 impact shingles and metal roofs typically qualify for 10%–22% wind/hail credits, provided you review whether the carrier attaches a cosmetic hail-dent exclusion.
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.
Personal auto policies exclude commercial tool delivery, snow/debris hauling, or higher-rated business use for 286 local Construction & Specialty Trades operators. Commercial Auto or Hired & Non-Owned Auto (HNOA) keeps business liability intact.
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 County • Bundle Personal, Property, Flood, or Commercial.
