Home Insurance in Bullard, Texas
The median home value in Bullard is $247,100, close to the Smith County median.
The typical home in Bullard was built around 2006. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 5% of homes were built before 1960, about 13 points below Smith County's 18%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Bullard is 92% single-family homes and 3% mobile or manufactured homes.
78% of owner-occupied homes in Bullard carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Bullard has an owner-occupancy rate of 86% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
In Bullard, 64% of homes are primarily heated with electricity.
Smith County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. Smith County had 500 active NFIP flood policies as of September 2026. See the full Smith 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).
6 licensed insurance agencies serve this area.
Key figures
| Median home value | $247,100 |
|---|---|
| Median year built | 2006 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 78% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Smith County | 500 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Bullard
- 3RD GENERATION INSURANCE SERVICES LLC, Bullard (General Lines Agency)
- BIFS, LLC, Bullard (General Lines Agency)
- BLUEBONNET UNITED LLC, Bullard (General Lines Agency)
- IPAT, INC., Bullard (General Lines Agency)
- ROOTED INSURANCE GROUP LLC, Bullard (General Lines Agency)
- SNOW AGENCY LLC, Bullard (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)