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Home Insurance in Morgan’s Point Resort, TX
Half of the homes in Morgan’s Point Resort were built in 2002 or earlier. Here is how the local housing stock shapes coverage and price.
The Morgan’s Point Resort housing stock in numbers
Detached houses represent about 87% of the housing in Morgan’s Point Resort, where 94% of households own their home.
Why build year matters in Morgan’s Point Resort
According to the Census Bureau, the typical home in Morgan’s Point Resort went up around 2002. Roughly 20% of the housing stock predates 1980 and 56% is from 2000 onward. A young housing stock usually means modern code compliance, which can help with rates; HOA rules and builder warranties may still shape what you need.
$4,216/yr
About $351/mo · ~$300k-$400k dwelling class
$2,487/yr
About $207/mo after modeled shopping discount
About 41% below local market estimate
Market value versus rebuild cost in Morgan’s Point Resort
Owners in Morgan’s Point Resort put the median value of their homes at $245,100. Bell County as a whole is in the same range, at $241,000. Sale prices and rebuild costs can diverge in either direction, which is why carriers run their own replacement-cost estimate for the dwelling limit.
Coverage A through F for a Morgan’s Point Resort home
The structure limit. It should equal what it would cost to rebuild at current labor and material prices.
Anything not attached to the house, such as fences, carports and barns. Rural and large-lot properties often need more than the default.
Furniture, clothing and electronics. Replacement-cost settlement pays more than actual cash value after a loss.
Hotel, meals and other added costs while the home is uninhabitable after a covered claim.
Covers your legal liability for injuries or damage to others; an umbrella policy can extend it.
Guest medical coverage that can head off a liability claim.
Hazards Morgan’s Point Resort homes are exposed to
FEMA’s National Risk Index rates overall natural-hazard risk in Bell County as relatively moderate. Its leading hazards, by rating, are lightning (very high), hail (relatively high) and tornadoes (relatively high). Bell County had 122 hail reports in NOAA’s storm records for 2016 through 2025. Stones of one inch or more showed up in 105 of the reports. The top report was 5.68-inch hail on April 12, 2022.
Since Bell County is not a TWIA county, look at how your homeowners policy handles wind and hail, including whether that deductible is a flat amount or a percentage of the dwelling limit. Look up your address on the FEMA Flood Map Service Center to see your flood zone.
Local resources for Morgan’s Point Resort homeowners
Square footage and build year on file with the Bell appraisal district (www.bellcad.org) feed straight into replacement-cost estimates, so check them for errors. Its office is at 411 E. Central Ave. Belton, TX 76513-3241.
Morgan’s Point Resort sits within Bell County. Federal statistical definitions place Bell County at the core of the Killeen-Temple metro area. The nearest bigger city is Temple, about 5 miles from Morgan’s Point Resort as the crow flies.
Morgan’s Point Resort housing and coverage questions
How old are homes in Morgan’s Point Resort, and does that change my rate?
The median home was built in 2002, and about 20% predate 1980, per Census estimates. Newer homes often qualify for age-of-home credits and are easier to place with more carriers.
When is the best time to compare home insurance in Morgan’s Point Resort?
Review it every renewal, and again after a roof replacement, remodel or a major storm season that changes carrier pricing.
Is flood insurance available in Morgan’s Point Resort?
Homeowners policies exclude flood, so it takes a separate NFIP or private flood policy. Morgan’s Point Resort participates in the National Flood Insurance Program, and its current flood map took effect in September 2008. Only about 1 in 136 Bell County homes carries NFIP coverage. Most NFIP policies begin after a 30-day wait, so do not wait for a storm forecast.
How much dwelling coverage do Morgan’s Point Resort homes need?
Enough to rebuild, which is not the same as market value. Census data puts the Morgan’s Point Resort median at $245,100, but your dwelling limit should equal what it would cost to rebuild the house at today’s labor and material prices.
Compare Morgan’s Point Resort home insurance quotes
Compare carriers with Texas Insurance Resources. Call 800-875-4711 or request a quote online.
Data sources and notes
All public data on this page was pulled in October 2026. Census numbers are survey estimates. Price estimates near the top are Texas Insurance Resources models for comparison, not quotes or published averages.
- Community Status Book (NFIP)
- OpenFEMA flood insurance data, Bell County
- FEMA National Risk Index, Bell County
- Texas Comptroller regions
- County and state comparisons: Bell County value, Bell County build year
- TWIA eligibility
- Comptroller county directory, Bell County
- Census metro delineation
- Gazetteer (Census)
- American Community Survey 2020–2024, Morgan’s Point Resort city: home value, structure type, tenure, median year built, year built, population
- NOAA NCEI storm reports, Bell County