Home Insurance in Leroy, Texas
The median home value in Leroy is $193,800, 20% lower than the McLennan County median.
The typical home in Leroy was built around 1979. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 14% of homes were built before 1960, about 8 points below McLennan County's 21%.
The housing stock in Leroy is 83% single-family homes and 17% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 39% of owner-occupied homes in Leroy have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Leroy has an owner-occupancy rate of 85% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 73% of homes in Leroy are primarily heated with electricity.
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 | $193,800 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 39% |
| 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)