Home Insurance in Copperas Cove, Texas
The median home value in Copperas Cove is $180,500, 8% lower than the Coryell County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Copperas Cove was built around 1989. About 6% of homes were built before 1960, about 5 points below Coryell County's 12%.
The housing stock in Copperas Cove is 74% single-family homes, 9% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Copperas Cove, about 65% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 60% of occupied homes in Copperas Cove are owner-occupied.
Most homes in Copperas Cove - 75% - are primarily heated with electricity.
FEMA rates Coryell County's overall risk as Relatively Low, led by tornado (Relatively Moderate). Coryell County had 116 active NFIP flood policies as of September 2026. See the full Coryell 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).
5 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $180,500 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 65% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Coryell County | 116 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Copperas Cove
- CRICKET BEAR LLC, Copperas Cove (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
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)