Georgetown isn't the sleepy Texas town it used to be. With a population exceeding 101,000 in 2026 and annual growth rates pushing 8%, this Williamson County seat is booming. Sun City retirees, young families moving to the Victorian square downtown, and everyone in between are discovering what makes Georgetown special. But here's what that rapid growth means for you: insurance is changing fast, and understanding your options isn't optional—it's essential.
Whether you're relocating to Georgetown or you've been here for years, this guide breaks down everything you need to know about auto insurance, home insurance, and how to protect yourself in one of Central Texas's most dynamic communities.
Auto Insurance in Georgetown: More Than Meeting Minimums
Texas law requires all drivers to carry 30/60/25 liability coverage. That means $30,000 for injuries per person, $60,000 total per accident, and $25,000 for property damage. These numbers haven't changed for 2025, so if you're already carrying the minimum, you don't need to update your policy.
But here's the reality: Georgetown's minimum coverage won't cut it when hail the size of golf balls destroys your windshield. The area experienced 71 hail events detected by Doppler radar in the past year alone, with 37 on-the-ground reports from trained spotters. Comprehensive coverage—which handles hail, wind, fire, and flood damage to your vehicle—isn't legally required, but it's practically necessary here.
Home Insurance: Protecting Your Investment in a Growth Market
Texas doesn't require homeowners insurance by law. But if you have a mortgage—and most Georgetown residents do, given the median household income of $91,857—your lender will require it. That's not a bureaucratic hassle; it's protection for what's likely your biggest asset.
Standard homeowners insurance covers wind and hail damage, fire, lightning, and theft. What it doesn't cover: flood damage from outside water sources. This matters in Georgetown. In July 2025, severe flooding caused enough property damage that Mayor Josh Schroeder signed a disaster declaration. Even if you're not in a designated flood zone, the area's vulnerability to heavy rain and blocked drainage systems makes flood insurance worth serious consideration.
Flood insurance in Texas averages $150-$200 per month. That's not cheap, but compare it to the cost of replacing flooded drywall, ruined flooring, and destroyed appliances. Mortgage lenders often require flood insurance for properties in designated zones, but even if yours doesn't mandate it, the investment pays off when storms roll through Williamson County.
Your homeowners premium depends on factors like property value, age, construction type, location, deductible amount, and coverage limits. Georgetown's construction boom means newer homes may qualify for better rates, while older properties near the Victorian square downtown might face higher premiums due to age and materials.
Understanding Georgetown's Weather Risks
If you're new to Central Texas, the weather here is different. Georgetown sits in an area prone to severe storms, particularly during spring and early summer. Over the past 12 months, the area has been under severe weather warnings 74 times. That's not an anomaly—it's the norm.
Hail is the biggest concern for most homeowners and drivers. Georgetown has seen significant hail events, and when those storms hit, they don't discriminate between new builds in Sun City and historic homes downtown. Comprehensive auto coverage and homeowners insurance with solid hail protection aren't luxuries—they're necessities.
Tornadoes also occur in the region, though less frequently than hail. Windstorm coverage—which protects against tornado, hurricane, and gale damage—is included in most standard homeowners policies. If you're shopping for insurance, verify that your policy explicitly includes wind and hail coverage with reasonable deductibles.
Local Insurance Agents Who Know Georgetown
Georgetown has five established local insurance agencies serving Williamson County residents. These aren't call centers—they're local agents who understand that Georgetown isn't Austin, and Sun City isn't downtown. They know what hail damage looks like after a spring storm and which neighborhoods flood when drainage systems back up.
Independent agencies like Evans, Ewan and Brady write policies with multiple carriers including Hartford, Progressive, Allstate, and Safeco. This gives you options—sometimes you'll find better rates or coverage by comparing quotes across different insurers rather than sticking with one carrier.
How to Get Started with Insurance in Georgetown
Start by evaluating what you actually need. If you're moving to Georgetown, contact a local agent before closing on your home. They can walk you through coverage requirements, explain how Georgetown's weather risks affect your premiums, and help you avoid gaps in protection.
For auto insurance, verify that you're carrying more than the state minimum if your vehicle is newer or financed. Comprehensive and collision coverage protect your investment when hail, floods, or accidents happen. Don't wait until after storm season starts—get coverage in place now.
Review your homeowners policy annually. Georgetown's rapid growth means property values are rising, and your coverage limits should reflect current replacement costs, not what your home was worth five years ago. If you're in Sun City or another area with homeowner association requirements, make sure your policy meets those standards as well.
Georgetown's growth brings opportunity, but it also brings complexity—especially when it comes to insurance. You're not just protecting a house or a car; you're protecting your place in one of Texas's most vibrant communities. Talk to a local agent who understands the Red Poppy Festival, the Victorian square, and what spring storms mean for Williamson County residents. Get the coverage you need, and enjoy everything Georgetown has to offer.
