Home Insurance in Troy, Texas
With a median home value of $201,500, Troy is 16% lower than the Bell County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Troy was built around 2001. About 10% of homes were built before 1960, about 2 points above Bell County's 8%.
The housing stock in Troy is 82% single-family homes, 6% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 65% of owner-occupied homes in Troy have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Troy has an owner-occupancy rate of 65% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
88% of homes in Troy are primarily heated with electricity.
What's the biggest home insurance risk near Troy? 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.
The statewide average premium for a standard HO-3 homeowners policy in Texas is $2,864 per year, according to the NAIC homeowners insurance report (2023 data).
This area lists 1 licensed insurance agencies.
Key figures
| Median home value | $201,500 |
|---|---|
| Median year built | 2001 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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 Troy
- DOUBLE D AG INSURANCE SERVICES, LLC, Troy (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)