HomeInsuranceQts

Home Insurance in Bedford, Texas

With a median home value of $350,700, Bedford is 8% higher than the Tarrant County median.

The typical home in Bedford was built around 1983. About 5% of homes were built before 1960, about 8 points below Tarrant County's 13%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.

The housing stock in Bedford is 58% single-family homes and 34% apartments in buildings with 5+ units.

About 59% of owner-occupied homes in Bedford have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.

About 51% of occupied homes in Bedford are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.

In Bedford, 72% of homes are primarily heated with electricity.

Tarrant County's top FEMA-rated hazard is hail (Very High), per FEMA's National Risk Index. Tarrant County had 5,647 active NFIP flood policies as of September 2026. See the full Tarrant 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 25 licensed insurance agencies.

Key figures

Median home value$350,700
Median year built1983
Owner-occupied share51%
Share of owner-occupied homes with a mortgage59%
Top county hazardHail (Very High)
Active NFIP policies in Tarrant County5,647
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)
Key home insurance figures for Bedford, TX

Licensed insurance agencies in Bedford

Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt

Nearby towns

Sources

Data last updated: 2026-09-29