Home Insurance in Bellmead, Texas
Homes in Bellmead carry a median value of $155,100 - 36% lower than the McLennan County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Bellmead was built around 1984. About 27% of homes were built before 1960, about 6 points above McLennan County's 21%.
The housing stock in Bellmead is 67% single-family homes, 10% apartments in buildings with 5+ units and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 46% of owner-occupied homes in Bellmead have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 60% of occupied homes in Bellmead are owner-occupied.
Most homes in Bellmead - 71% - are primarily heated with electricity.
What's the biggest home insurance risk near Bellmead? FEMA's National Risk Index points to tornado (Relatively High) in McLennan County and McLennan County had 968 active NFIP flood policies as of September 2026. See the full McLennan 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).
1 licensed insurance agencies serve this area.
Key figures
| Median home value | $155,100 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in McLennan County | 968 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Bellmead
- BEITLER ELITE 3, LLC, Bellmead (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)