Population: 65,191 | South region | 77% above national average for homeowners insurance
Pflugerville is a small city with a population of 65,191 in the South region. Insurance costs here are shaped by a combination of Texas's regulatory environment, local risk factors, and the city's specific demographic profile.
Homeowners in Pflugerville face significantly elevated insurance costs at $4,605/yr — 77% above the national average. Over a 30-year mortgage, this premium gap amounts to approximately $60,150 in additional insurance costs compared to the average American homeowner. This is a material factor in the true cost of homeownership here and should be carefully factored into any home purchase decision.
Flood risk is a key insurance consideration in Pflugerville. Standard homeowners insurance does not cover flood damage — a separate flood policy through the NFIP or a private carrier is needed. Properties in FEMA-designated flood zones face mandatory flood insurance requirements if they have a federally backed mortgage.
With a crime index of just 15/100, Pflugerville is significantly safer than the national average. This low crime rate is a positive factor for insurance pricing — fewer theft, vandalism, and property crime claims mean insurers can offer more competitive rates. Auto insurance comprehensive coverage is also more affordable in lower-crime areas.
The total annual insurance budget for a Pflugerville homeowner with a car is approximately $7,052/yr ($588/mo). This is significantly above the national combined average of $5,097/yr. For anyone relocating to Pflugerville, budgeting for this higher insurance cost is essential — it can represent the equivalent of one or more extra monthly car payments per year. Bundling homeowners and auto with the same carrier typically saves 15-20%, which could mean $1,199 in annual savings.
Data sources: Insurance cost estimates derived from NAIC reports, Insurance.com, Bankrate, and Insurify (2025-2026). City risk factors from FEMA, FBI UCR, and state insurance department filings. Figures represent average annual premiums for standard coverage and may vary based on individual factors.
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