Home Insurance in Harker Heights, Texas
Homes in Harker Heights carry a median value of $287,800 - 19% higher than the Bell County median.
The typical home in Harker Heights was built around 2001. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 1% of homes were built before 1960, about 7 points below Bell County's 8%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Harker Heights is 70% single-family homes, 7% apartments in buildings with 5+ units and 8% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Harker Heights, about 69% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 62% of occupied homes in Harker Heights are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
90% of homes in Harker Heights are primarily heated with electricity.
Bell County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. 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.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
This area lists 5 licensed insurance agencies.
Key figures
| Median home value | $287,800 |
|---|---|
| Median year built | 2001 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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 Harker Heights
- COBB INSURANCE AGENCY LLC, Harker Heights (General Lines Agency)
- MCGEE INSURANCE AGENCY INC, Harker Heights (General Lines Agency)
- MILLER & COMPANY, JIL, INC., Harker Heights (General Lines Agency)
- MILLER & COMPANY, JIL, INC., Harker Heights (County Mutual Agency)
- MORSE INSURANCE SERVICES LLC, Harker Heights (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)