Home Insurance in Temple, Texas
The median home value in Temple is $239,000, close to the Bell County median.
The typical home in Temple was built around 1991. About 14% of homes were built before 1960, about 6 points above Bell County's 8%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Temple, the housing stock is 67% single-family homes, 20% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 61% of owner-occupied homes in Temple have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 52% of occupied homes in Temple are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Temple, 80% of homes 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.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
This area lists 26 licensed insurance agencies.
Key figures
| Median home value | $239,000 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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 Temple
- BRANDON FINCHER LLC, Temple (General Lines Agency)
- COUFAL INSURANCE SERVICES LLC, Temple (General Lines Agency)
- CRAIG MARSHALL AGENCY, LLC, Temple (General Lines Agency)
- DAVID COUFAL AGENCY, LLC, Temple (General Lines Agency)
- DISTRICT 31 LLC, Temple (General Lines Agency)
- ELO SERVICES, INC., Temple (General Lines Agency)
- EXTRACO BANKS, NATIONAL ASSOCIATION, Temple (General Lines Agency)
- FIRST STATE CENTRAL TEXAS INSURANCE AGENCY LTD, Temple (General Lines Agency)
- HOELSCHER INSURANCE AGENCY, LLC, Temple (General Lines Agency)
- JOHN FARWELL INS AGENCY, INC., Temple (General Lines Agency)
- MORGAN LIGHTHOUSE INSURANCE AGENCY LLC, Temple (General Lines Agency)
- NOVAURA INSURANCE SERVICES, LLC, Temple (Pers Lines Prop and Cas Agency)
- NOVAURA INSURANCE SERVICES, LLC, Temple (General Lines Agency)
- PAYSSE INSURANCE AGENCY, LLC, Temple (General Lines Agency)
- PAYSSE INSURANCE GROUP, LTD, Temple (General Lines Agency)
- REDHEAD INSURANCE GROUP LLC, Temple (General Lines Agency)
- REID AGENCY, LLC, Temple (General Lines Agency)
- RIVERSIDE INSURANCE ASSOCIATES L.L.C., Temple (General Lines Agency)
- RVOS GENERAL AGENCY INC, Temple (General Lines Agency)
- SUMMIT INSURANCE GROUP LLC, Temple (General Lines Agency)
- TEXAS LIBERTY INSURANCE AGENCY LLC, Temple (General Lines Agency)
- TEXELL FINANCIAL LLC, Temple (General Lines Agency)
- TEXELL FINANCIAL, LLC, Temple (General Lines Agency)
- TKLS, LLC, Temple (General Lines Agency)
- WASI LLC, Temple (General Lines Agency)
- WINKLER INSURANCE GROUP LLC, Temple (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)