Home Insurance in Coryell County, Texas
Homes in Coryell County carry a median value of $195,300 - 31% lower than the Texas median.
The typical home in Coryell County was built around 1987. About 12% of homes were built before 1960, in line with Texas (12%). Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Coryell County is 77% single-family homes, 6% apartments in buildings with 5+ units and 5% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Coryell County, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Coryell County has an owner-occupancy rate of 59% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Most homes in Coryell County - 72% - are primarily heated with electricity.
Per FEMA's National Risk Index, Coryell County's top hazards are tornado (Relatively Moderate), wildfire (Relatively Low) and winter weather (Relatively Moderate).
Coryell County had 116 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
9 licensed insurance agencies serve this area.
Key figures
| Median home value | $195,300 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 57% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively Moderate), Wildfire (Relatively Low), Winter Weather (Relatively Moderate) |
| Active NFIP flood policies (county) | 116 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Towns and cities
Licensed insurance agencies in Coryell County
- CRICKET BEAR LLC, Copperas Cove (General Lines Agency)
- DAN DAVIDSON INSURANCE AGENCY LLC, Gatesville (General Lines Agency)
- FRED DASCHOFSKY INSURANCE AGENCY INC, Gatesville (General Lines Agency)
- JR STEPHENS LLC, Gatesville (General Lines Agency)
- KENT SCOTT INSURANCE AND FINANCIAL SERVICES, INC., Gatesville (General Lines Agency)
- OZIP, INC., Copperas Cove (General Lines Agency)
- PLANWELL LIVEWELL FINANCIAL SERVICES L L C, Copperas Cove (General Lines Agency)
- SHAWN CAMP INSURANCE AGENCY INC., Copperas Cove (General Lines Agency)
- STREAMZY LLC, Copperas Cove (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
Sources
- 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)