Home Insurance in McGregor, Texas
The median home value in McGregor is $221,700, 9% lower than the McLennan County median.
The typical home in McGregor was built around 1979. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 31% of homes were built before 1960, about 10 points above McLennan County's 21%.
Housing in McGregor breaks down to 86% single-family homes, 8% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In McGregor, about 50% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
McGregor has an owner-occupancy rate of 69% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
In McGregor, 55% of homes are primarily heated with electricity.
What's the biggest home insurance risk near McGregor? 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).
4 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $221,700 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 50% |
| 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 McGregor
- KMD AGENCY, LLC, Mcgregor (Pers Lines Prop and Cas Agency)
- KMD AGENCY, LLC, Mcgregor (General Lines Agency)
- LIVING BENEFITS SOLUTIONS LLC, Mcgregor (General Lines Agency)
- PAT RICHARDSON INSURANCE GROUP, LLC, Mcgregor (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)