Home Insurance in West, Texas
The median home value in West is $182,900, 25% lower than the McLennan County median.
The typical home in West was built around 1964. About 45% of homes were built before 1960, about 23 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.
The housing stock in West is 85% single-family homes and 3% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
56% of owner-occupied homes in West carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 64% of occupied homes in West are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In West, 51% of homes 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.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
This area lists 5 licensed insurance agencies.
Key figures
| Median home value | $182,900 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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 West
- GRIMM INSURANCE AGENCY, West (General Lines Agency)
- KUCERA INSURANCE SERVICES LLC, West (General Lines Agency)
- POKLUDA INSURANCE SERVICES LLC, West (General Lines Agency)
- TRILOGY PROFESSIONAL SERVICES, LLC, West (General Lines Agency)
- WEST COMMA INSURANCE AGENCY, LLC, West (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)