Home Insurance in Coupland, Texas
With a median home value of $230,900, Coupland is 48% lower than the Williamson County median.
The typical home in Coupland was built around 1982. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 24% of homes were built before 1960, about 22 points above Williamson County's 2%.
In Coupland, the housing stock is 71% single-family homes, 4% apartments in buildings with 5+ units and 25% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
52% of owner-occupied homes in Coupland carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Coupland has an owner-occupancy rate of 84% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Most homes in Coupland - 84% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Williamson County had 2,018 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively High). See the full Williamson 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).
1 licensed insurance agencies serve this area.
Key figures
| Median home value | $230,900 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Williamson County | 2,018 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Coupland
- UGARTE INSURANCE AGENCY LLC, Coupland (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)