Bordering the Highland Lakes along US-281, SH-29 in Burnet County (6,892 residents; ZIP 78654), $403,600 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.
Pre-set to $403,600 (Zillow City ZHVI (Sept 2026)). Move the Coverage A slider and toggle standing-seam metal, tile, or Class 4 shingles to see real dollar deductibles ($4,036 at 1%; $8,072 at 2%) before storm season.
| 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 | $403,600 | $206,100 med. | 1.96× 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 $403,600 typical Highland Lakes homes, 107 recorded hailstorms make comparing $4,036 (1%) vs. $8,072 (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.
Spanning 994.8 sq. miles across Burnet County, nearby communities share regional storm and court-venue rating factors:
| Place | ZIP | Population | Type |
|---|---|---|---|
| Marble Falls | 78654 | 6,892 | CITY |
| Burnet | 78611 | 6,403 | County Seat |
| Granite Shoals | Shared ZCTA | 5,086 | CITY |
| Meadowlakes | Shared ZCTA | 1,991 | CITY |
| Bertram | 78605 | 1,852 | CITY |
| Cottonwood Shores | 78657 | 1,630 | CITY |
| Highland Haven | Shared ZCTA | 452 | CITY |
On a typical $403,600 residence, a 1% deductible is $4,036 out-of-pocket whereas 2% doubles to $8,072. Because NOAA recorded 107 hailstorms (up to 4.25") over 2016–2025, pairing a 2% deductible with UL 2218 Class 4 impact-resistant roofing often balances annual premium savings with storm durability.
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.
Texas Transportation Code Ch. 601 sets 30/60/25 statutory minimums, but Burnet County posts a 22.7 per-100k roadway fatality rate and 41.0% 30+ minute commutes. Selecting 100/300/100 with PIP (§1952.152) and UM/UIM (§1952.101) prevents personal wage or asset exposure.
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 78654 and statewide. We do not write life insurance, pet insurance, or standalone coastal TWIA windstorm policies.
Digital intake for Marble Falls • Bundle Personal, Property, Flood, or Commercial.
