Home Insurance in Belton, Texas
The median home value in Belton is $258,700, 7% higher than the Bell County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Belton was built around 1994. About 16% of homes were built before 1960, about 8 points above Bell County's 8%.
The housing stock in Belton is 64% single-family homes, 23% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Belton, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Belton has an owner-occupancy rate of 56% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Belton - 79% - are primarily heated with electricity.
What's the biggest home insurance risk near Belton? FEMA's National Risk Index points to hail (Relatively High) in Bell County and Bell County had 911 active NFIP flood policies as of September 2026. See the full Bell County home insurance overview for all FEMA hazard ratings and flood coverage details.
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.
12 licensed insurance agencies serve this area.
Key figures
| Median home value | $258,700 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Bell County | 911 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Belton
- 4K AGRICULTURE SOLUTIONS LLC, Belton (General Lines Agency)
- CSW INSURANCE GROUP LLC, Belton (General Lines Agency)
- FINNEY INSURANCE GROUP, INC., Belton (General Lines Agency)
- GUNTER STANLEY ENTERPRISES LLC, Belton (General Lines Agency)
- JANAK INSURANCE AGENCY, INC., Belton (General Lines Agency)
- JHTB TEXAS FAMILY TRADITIONS, LLC, Belton (General Lines Agency)
- LAUREN SMITH INSURANCE AGENCY INC., Belton (General Lines Agency)
- LUECKE ROOTS LLC, Belton (General Lines Agency)
- MIKE SEILER INSURANCE AGENCY INC, Belton (General Lines Agency)
- T BUTLER INSURANCE AGENCY LLC, Belton (General Lines Agency)
- TEXIAN INSURANCE AGENCY INC, Belton (General Lines Agency)
- W5 RISK PARTNERS LLC, Belton (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)