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Home Insurance in Copperas Cove, TX
See where Copperas Cove stands against county and statewide figures before you compare home insurance quotes.
$3,422/yr
About $285/mo · ~$300k-$400k dwelling class
$2,057/yr
About $171/mo after modeled shopping discount
About 39.9% below local market estimate
How Copperas Cove homes compare
| Measure | Copperas Cove | Coryell County | Texas |
|---|---|---|---|
| Median home value | $180,500 | $195,300 | $283,800 |
| Median year built | 1989 | 1987 | 1992 |
| Owner-occupied homes | 60% | 59% | 63% |
| Single-family detached | 71% | 67% | 64% |
| Built before 1980 | 36% | 39% | 33% |
| Built 2000 or later | 31% | 33% | 39% |
| Manufactured homes | 2% | 5% | 6% |
Home ages in Copperas Cove are close to the Coryell County pattern (median year built 1989 versus 1987).
The median owner-estimated home value in Copperas Cove is $180,500. The Coryell County median is similar, at $195,300. Market value includes land and location, so it is not the same as the cost to rebuild; insure the dwelling to a replacement-cost estimate instead.
Hazard ratings for Coryell County
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Relatively Moderate | 73 hail reports |
| Tornadoes | Relatively Moderate | 4 tornadoes |
| Strong wind | Relatively Low | 19 thunderstorm wind reports |
| Inland flooding | Relatively Low | 16 flash floods |
| Hurricanes | Relatively Low | – |
| Wildfire | Relatively Low | – |
| Winter weather | Relatively Moderate | – |
| Drought | Relatively Low | – |
| Lightning | Relatively High | – |
Coryell County lands in the relatively low category of FEMA’s National Risk Index. Hazard by hazard, the strongest scores are for lightning (relatively high), hail (relatively moderate) and tornadoes (relatively moderate).
FEMA has issued 10 natural-hazard major disaster declarations covering Coryell County since 2000. The latest declarations were Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024), Severe Winter Storms (2021) and Severe Storms and Flooding (2019).
What the comparison means for your policy
- Since Coryell 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.
- Copperas Cove participates in the National Flood Insurance Program, so NFIP policies are available to residents. Its flood map now in force took effect in February 2010. It also holds Community Rating System Class 8, which trims NFIP premiums for high-risk-zone policies by 10%. In Coryell County, roughly 1 home in 192 has federal flood coverage (119 residential policies in force). Policyholders in the county have filed 20 NFIP claims since 2016. A homeowners policy will not pay for rising water; flood is a separate policy, and NFIP coverage typically takes 30 days to begin.
- Half of the housing in Copperas Cove dates from 1989 or earlier, per Census estimates. The split is roughly 36% pre-1980 construction versus 31% built from 2000 on. Houses from this era often have had partial updates, so documenting a newer roof, water heater or HVAC can help when quotes are compared.
Local offices and records
Before you request quotes, pull your record from the Coryell appraisal district at www.coryellcad.org; the Texas Comptroller’s Coryell County directory lists its contact details. The district office address is 705 E. Main St. Gatesville, TX 76528. Watches and warnings for Copperas Cove are issued by NWS Fort Worth/Dallas, TX. Radar coverage comes from the KGRK site.
While a slice of Copperas Cove is in Bell County and Lampasas County, the bulk of it belongs to Coryell County. In the federal metro delineation, Coryell County anchors the Killeen-Temple metro. By straight-line distance, Copperas Cove is about 11 miles west of Killeen.
Copperas Cove coverage questions
How risky is Coryell County for natural hazards?
Coryell County is rated relatively low overall in FEMA’s National Risk Index. Its standout hazards are lightning (relatively high), hail (relatively moderate) and tornadoes (relatively moderate). Use that list to decide where higher limits or a lower deductible are worth the premium.
How often has Coryell County had federal disaster declarations?
Coryell County has been included in 10 natural-hazard major disaster declarations since 2000. The most recent was Severe Storms, Straight-line Winds, Tornadoes, and Flooding, declared in May 2024. FEMA assistance is capped and is not a substitute for insurance.
Does TWIA cover homes in Copperas Cove?
No, Coryell County is not in TWIA territory. Look instead at the wind and hail deductible on your homeowners quotes, since that is where storm costs land.
Is homeowners coverage mandatory for Copperas Cove homeowners?
Only your lender can require it; Texas itself does not. If the home is paid off, the choice is yours, but one serious storm or fire can cost far more than years of premiums.
Compare Copperas Cove 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. The two price cards are modeled estimates from Texas Insurance Resources, not quotes.
- Comptroller CAD listing, Coryell County
- NWS Fort Worth/Dallas, TX
- Comptroller economic regions
- Census metro delineation
- Census Gazetteer coordinates
- Disaster declarations (FEMA), Coryell County
- Census ACS 2020–2024, Copperas Cove city: tenure, home value, structure type, median year built, population, year built
- FEMA Community Status Book
- Texas Windstorm Insurance Association
- NFIP data (OpenFEMA), Coryell County
- NOAA Storm Events Database, Coryell County
- Comparison figures: Coryell County value, Coryell County build year, Texas value
- FEMA NRI county ratings, Coryell County