Home Insurance in Killeen, Texas
Homes in Killeen carry a median value of $215,400 - 11% lower than the Bell County median.
The typical home in Killeen was built around 1996. About 5% of homes were built before 1960, about 3 points below Bell County's 8%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Killeen is 65% single-family homes, 15% apartments in buildings with 5+ units and 4% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 66% of owner-occupied homes in Killeen have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Killeen has an owner-occupancy rate of 49% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Most homes in Killeen - 89% - are primarily heated with electricity.
Bell County had 911 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively High). 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.
19 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $215,400 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 49% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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 Killeen
- A&M AUTO INSURANCE LLC, Killeen (General Lines Agency)
- ALL AMERICAN INSURANCE AGENCY LLC, Killeen (General Lines Agency)
- BKCW L P, Killeen (General Lines Agency)
- BKCW MANAGEMENT, L.L.C., Killeen (General Lines Agency)
- CAPITOL INSURANCE AGENCY OF CENTRAL TEXAS PC, Killeen (General Lines Agency)
- DOMVO INSURANCE AGENCY LLC, Killeen (General Lines Agency)
- GUZMAN MULTI-SERVICES AGENCY LLC, Killeen (General Lines Agency)
- HARDIN INSURANCE SERVICES, LLC, Killeen (General Lines Agency)
- HERITAGE PROTECTION INSURANCE GROUP, LLC, Killeen (General Lines Agency)
- HOLLEY INSURANCE AGENCY LLC, Killeen (General Lines Agency)
- KALYNN TINDALL INSURANCE AGENCY, INC., Killeen (General Lines Agency)
- KNGS INSURANCE AGENCY, LLC, Killeen (General Lines Agency)
- LARRY WEISS INSURANCE AGENCY, INC., Killeen (General Lines Agency)
- MCGRATH FINANCIAL LLC., Killeen (Pers Lines Prop and Cas Agency)
- NTS BENEFITS LLC, Killeen (General Lines Agency)
- PORTER SPEARS LIMITED PARTNERSHIP, Killeen (General Lines Agency)
- SANTICO GROUP LLC, Killeen (General Lines Agency)
- T. L. SPEARS LIMITED LIABILITY COMPANY, Killeen (General Lines Agency)
- TTD INSURANCE SERVICES INC, Killeen (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)