Home Insurance in Salado, Texas
Homes in Salado carry a median value of $445,900 - 85% higher than the Bell County median.
The typical home in Salado was built around 1992. About 7% of homes were built before 1960, about 2 points below Bell County's 8%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Salado is 90% single-family homes, 7% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
58% of owner-occupied homes in Salado carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 87% of occupied homes in Salado are owner-occupied.
Most homes in Salado - 93% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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.
This area lists 3 licensed insurance agencies.
Key figures
| Median home value | $445,900 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 87% |
| 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) |
Licensed insurance agencies in Salado
- BYRNE INTERESTS INC., Salado (General Lines Agency)
- ROCKING G RISK SERVICES LLC, Salado (General Lines Agency)
- THE VAHRENKAMP AGENCY LLC, Salado (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)