Home Insurance in Morgan's Point Resort, Texas
The median home value in Morgan's Point Resort is $245,100, close to the Bell County median.
The typical home in Morgan's Point Resort was built around 2002. About 0% of homes were built before 1960, about 8 points below Bell County's 8%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Morgan's Point Resort, the housing stock is 87% single-family homes, 7% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 58% of owner-occupied homes in Morgan's Point Resort have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 94% of occupied homes in Morgan's Point Resort are owner-occupied.
In Morgan's Point Resort, 97% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Morgan's Point Resort? 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.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
Key figures
| Median home value | $245,100 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Bell County | 911 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
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)