Home Insurance in Bellville, Texas
Homes in Bellville carry a median value of $284,400 - close to the Austin County median.
The typical home in Bellville was built around 1969. About 38% of homes were built before 1960, about 22 points above Austin County's 16%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Bellville breaks down to 82% single-family homes, 11% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
47% of owner-occupied homes in Bellville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 61% of occupied homes in Bellville are owner-occupied.
53% of homes in Bellville are primarily heated with electricity.
Austin County had 500 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively Moderate). See the full Austin County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Texas is $2,864 per year, according to the NAIC homeowners insurance report (2023 data).
5 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $284,400 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Austin County | 500 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Bellville
- COOPERLAIRD INSURANCE AGENCY LLC, Bellville (General Lines Agency)
- JOE HORAK AGENCY LLC, Bellville (General Lines Agency)
- NO. 4 STEEL SHOT, LLC, Bellville (General Lines Agency)
- PAIGE FATERKOWSKI INSURANCE ADVISOR LLC, Bellville (General Lines Agency)
- TPH INTEREST LLC, Bellville (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)
- Texas Department of Insurance - licensed agencies (2026)