Home Insurance in Hewitt, Texas
With a median home value of $273,300, Hewitt is 12% higher than the McLennan County median.
The typical home in Hewitt was built around 1994. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 1% of homes were built before 1960, about 20 points below McLennan County's 21%.
In Hewitt, the housing stock is 82% single-family homes, 12% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 59% of owner-occupied homes in Hewitt have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 68% of occupied homes in Hewitt are owner-occupied. The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Hewitt, 92% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Hewitt? 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.
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).
3 licensed insurance agencies serve this area.
Key figures
| Median home value | $273,300 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 59% |
| 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 Hewitt
- ACES INSURANCE SERVICES LLC, Hewitt (General Lines Agency)
- FORTENBERRY INSURANCE AGENCY, L.L.C., Hewitt (General Lines Agency)
- JOHN FADAL INSURANCE AGENCY LLC, Hewitt (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)