Texas Porch

Flood Insurance

Flood insurance is separate from your homeowners policy

Standard homeowners insurance does not cover flood damage — you need a separate policy, and there is a 30-day waiting period before it takes effect.

Burnet County Home & Property

Burnet County participates in the National Flood Insurance Program (NFIP). FEMA flood zones in the county run mainly along the Colorado River and creeks. If your property is in a mapped flood zone, your mortgage lender may require you to carry flood insurance. Even outside a mapped zone, flooding can happen.

A regular homeowners policy will not pay for flood damage. You buy flood coverage separately, usually through NFIP. There is a 30-day waiting period after you buy the policy before it covers you — do not wait until a storm is coming. If you are buying property in Burnet County, check the FEMA Flood Map Service Center at msc.fema.gov to see what zone your parcel is in before you close.

Source to confirm: Burnet County — Flood Information

More Burnet County notes

Property Tax

Two offices handle your property tax in Burnet County

The Burnet County Appraisal District sets your home's value, but it also handles tax collection — the Tax Assessor-Collector office does not collect property taxes here.

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Homestead Exemption

How to lower your tax bill with a homestead exemption

Texas law lets you reduce the taxable value of the home you live in — file once with the Burnet County Appraisal District.

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Water & Lakes

The Highland Lakes run through the heart of Burnet County

LCRA runs a chain of six lakes on the Colorado River. Four of those lakes sit partly or fully in Burnet County.

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Septic / OSSF

Septic permits near the Highland Lakes go through LCRA

If your property is within about 2,200 feet of the upper Highland Lakes, LCRA — not the county — issues your septic system permit.

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