Home Insurance in Beverly Hills, Texas
With a median home value of $156,700, Beverly Hills is 36% lower than the McLennan County median.
The typical home in Beverly Hills was built around 1959. About 52% of homes were built before 1960, about 31 points above McLennan County's 21%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Beverly Hills breaks down to 86% single-family homes, 3% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Beverly Hills, about 44% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 66% of occupied homes in Beverly Hills are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Beverly Hills - 69% - are primarily heated with natural gas.
McLennan County had 968 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively High). See the full McLennan 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).
Key figures
| Median home value | $156,700 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in McLennan County | 968 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
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)