HomeInsuranceQts

Home Insurance in Bell County, Texas

Homes in Bell County carry a median value of $241,000 - 15% lower than the Texas median.

The typical home in Bell County was built around 1996. About 8% of homes were built before 1960, about 4 points below Texas's 12%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.

In Bell County, the housing stock is 69% single-family homes, 14% apartments in buildings with 5+ units and 6% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.

In Bell County, about 63% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

Bell County has an owner-occupancy rate of 57% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.

Most homes in Bell County - 86% - are primarily heated with electricity.

Per FEMA's National Risk Index, Bell County's top hazards are hail (Relatively High), tornado (Relatively High) and winter weather (Relatively High).

As of September 2026, Bell County has 911 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.

According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Texas carries a statewide average premium of $2,864 per year.

66 licensed insurance agencies serve this area.

Key figures

Median home value$241,000
Median year built1996
Owner-occupied share57%
Share of owner-occupied homes with a mortgage63%
Top hazards (FEMA National Risk Index)Hail (Relatively High), Tornado (Relatively High), Winter Weather (Relatively High)
Active NFIP flood policies (county)911
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)

Towns and cities

Licensed insurance agencies in Bell County

...and 6 more licensed agencies.

Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt

Sources