Gillespie Canyons Home Owners' Association, Inc.
Fredricksburg, TX, 78624
Mixed signals — review carefully
Insurance cost is the main driver — about $907 a year for a typical HO-6 policy (state average).
Based on 5 of 9 public-record signals · How the CondoScore works
The CondoScore is an automated summary of public-record signals. It is not a rating of building safety, not an appraisal, and not a lending or insurance decision.
The 3-second read
Signals from government records — tap any tile for the source.Public records on file: 3 of 9
33%Still blank: Homes, Stories, Year built, Street address, Management, Mapped location.
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Know the risks before you buy
Natural-hazard profile — Gillespie County
Overall county risk: Relatively Low compared with other U.S. counties.
FEMA expects natural hazards to cost $17.0M per year across Gillespie County as a whole (buildings, people, and agriculture combined).
County-level ratings from FEMA's National Risk Index (Dec 2025 data) — relative to other U.S. counties, not specific to this building.
Flood claim history — ZIP 78624
Federal flood insurance has paid $90K across 13 claims in this ZIP code since 1980. The worst year was 2018 ($57K paid).
ZIP-level history for the whole ZIP code, not this building. Source: OpenFEMA NFIP claims (redacted, public domain).
What those hazards mean for insurance
- Separate policyFlood. Not covered by standard condo or homeowners policies — flood damage needs a separate NFIP or private flood policy (for both the association and your unit). FEMA FloodSmart
- Special deductibleWind & hail. Usually covered, but many policies apply a separate wind/hail deductible — a flat amount or a percentage of the dwelling coverage. Virginia SCC guide
How policies typically treat these perils — not a coverage determination for this building. Check the association’s master policy and your own unit (HO-6) policy.
What condo owners pay — state average
- Texas average: $907/yr for a condo unit-owner (HO-6) policy — 59% above the U.S. average of $572 (2022, the latest state-by-state study). NAIC
- Flood is separate: standard condo policies don’t cover flood — NFIP flood policies in Texas average $985/yr across 572,495 policies in force (June 30, 2026). FEMA
Averages for the geography shown — not a quote for this building. Actual premiums vary by insured value, deductibles, construction, and insurer.
The insurance market in Texas
- If the private market says no: TWIA + Texas FAIR Plan — TWIA writes wind & hail only in the 14 first-tier coastal counties and parts of Harris County; the Texas FAIR Plan writes basic home coverage statewide after two declinations.
- Storm deductibles: Standard policies cover windstorm and hail except on the Gulf Coast, where separate windstorm coverage is needed; deductibles may be a percentage of the insured amount (e.g., 5%). Texas Dept. of Insurance
State-level market facts verified against the linked official sources (July 2026) — not a quote or availability determination for this building. Consumer help: Texas Department of Insurance.
Insurance market in Texas
State-level market rules, not a quote for this building. They shape what cover the association can buy and what it costs. NAIC state filings
Get the free Gillespie Canyons Home Owners' Association, Inc. report
Here's exactly what's inside:
- The CondoScore, plus the signal that drives it
- Every public record we hold on this building
- FEMA flood-claim history for this ZIP, and the county hazard rating
- Typical HO-6 insurance cost near here, and the Texas market rules
- Where to request the official documents, with direct links
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What would living here cost per month?
Your scenario, your math. The HO-6 figure is a geography-level average from state/NAIC filings — not a quote for this building. Dues and special assessments come from the association's own documents — always request the budget, reserve study, and meeting minutes before you sign.
Rules that hit your wallet
- Aug 3, 2026 — Fannie Mae retires Limited Review: most condo loans need full project review — National Mortgage Professional
- Jan 4, 2027 — associations must budget at least 15% of assessments to reserves for agency-backed loans — Whiteford client alert
- Since Jul 1, 2026 — insurance deductibles above $50K can fail a building for financing — condo-approval.com
Why it matters in Texas: buildings that miss these marks can lose access to normal 30-year mortgages — which shrinks the pool of buyers when you resell. Run the free 5-minute check.
Is Gillespie Canyons Home Owners' Association, Inc. mortgage-ready?
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