HomeInsuranceQts

Home Insurance in McLennan County, Texas

The median home value in McLennan County is $243,600, 14% lower than the Texas median.

The typical home in McLennan County was built around 1983. About 21% of homes were built before 1960, about 9 points above Texas's 12%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.

In McLennan County, the housing stock is 69% single-family homes, 18% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.

In McLennan County, about 53% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 62% of occupied homes in McLennan County are owner-occupied.

71% of homes in McLennan County are primarily heated with electricity.

Per FEMA's National Risk Index, McLennan County's top hazards are tornado (Relatively High), wildfire (Relatively Moderate) and hail (Relatively Moderate).

McLennan County had 968 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.

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 70 licensed insurance agencies.

Key figures

Median home value$243,600
Median year built1983
Owner-occupied share62%
Share of owner-occupied homes with a mortgage53%
Top hazards (FEMA National Risk Index)Tornado (Relatively High), Wildfire (Relatively Moderate), Hail (Relatively Moderate)
Active NFIP flood policies (county)968
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)

Towns and cities

Licensed insurance agencies in McLennan County

...and 10 more licensed agencies.

Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt

Sources