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Home Insurance in Keene, TX
From build years to owner-occupancy, the makeup of Keene’s housing explains much of what insurers ask. This guide starts with the homes themselves.
The Keene housing stock in numbers
Detached houses represent about 47% of the housing in Keene, where 51% of households own their home. With mobile and manufactured homes at roughly 15% of housing, it is worth knowing that many carriers write them on dedicated policies with different wind and hail terms.
Older, newer and in between: Keene homes
Census estimates put the median construction year for homes in Keene at 1985. 22% of local homes are from 2000 or later, compared with 33% built before 1980. Homes from the 1980s and 1990s are now old enough that many are on a second roof, and insurers commonly ask when it was replaced.
$5,127/yr
About $427/mo · ~$300k-$400k dwelling class
$3,148/yr
About $262/mo after modeled shopping discount
About 38.6% below local market estimate
Market value versus rebuild cost in Keene
The typical owner-occupied home in Keene is valued at about $225,300. Across Johnson County the median is $285,900. Sale prices and rebuild costs can diverge in either direction, which is why carriers run their own replacement-cost estimate for the dwelling limit.
The six parts of a Keene homeowners policy
Covers the house. Lenders require it, and it is the base that percentage deductibles are calculated from.
Fences and outbuildings. The default limit is often a percentage of Coverage A, which can be too low on larger lots.
Contents coverage, with special lower limits for jewelry, firearms and collectibles unless scheduled.
Extra living costs if a covered loss forces you out during repairs.
Covers your legal liability for injuries or damage to others; an umbrella policy can extend it.
Small medical bills for guests injured at your home, regardless of fault.
Hazards Keene homes are exposed to
In FEMA’s National Risk Index, Johnson County carries an overall rating of relatively moderate. Among individual perils, the top ratings go to tornadoes (relatively high), hail (relatively moderate) and inland flooding (relatively moderate). From 2016 to 2025, 116 hail events were recorded in Johnson County in NOAA’s Storm Events Database. Quarter-size or larger stones, an inch and up, appear in 99 of them. On June 12, 2023, observers reported hail as large as 4 inches.
Johnson County is outside TWIA’s designated catastrophe area, so wind and hail are normally covered by the homeowners policy itself, often with a separate percentage deductible. You can check your flood zone by address at the FEMA Flood Map Service Center.
Records to check before you quote
The Johnson County appraisal district (www.johnsoncad.com) publishes the square footage, year built and improvements insurers use to estimate rebuild cost. Its office is at 109 N. Main St. Cleburne, TX 76033-4941.
Keene sits within Johnson County. In the federal metro delineation, Johnson County anchors the Dallas-Fort Worth-Arlington metro. Measured point to point, Keene sits roughly 8 miles south of Burleson.
FAQ: Keene home insurance
Why do insurers ask when my Keene home was built?
The median home was built in 1985, and about 33% predate 1980, per Census estimates. At this age the roof is the main question, followed by the water heater and supply lines.
Where can I find my property details before getting a quote in Keene?
Start at www.johnsoncad.com, the Johnson appraisal district site, for size, year built and improvement records. Add your roof replacement date and any updates to complete the picture.
Do I need separate flood insurance in Keene?
Flood is not part of a homeowners policy; it is bought separately through the NFIP or a private insurer. NFIP coverage is available because Keene is a participating community, and its current flood map took effect in December 2012. Only about 1 in 124 Johnson County homes carries NFIP coverage. Buy early, because NFIP coverage generally starts 30 days after purchase.
Should I insure my Keene home for its market value?
Not necessarily. The Census median home value in Keene is $225,300, but Coverage A should match the cost to rebuild, which excludes land and can be higher or lower than market value. Ask for a replacement-cost estimate based on square footage and finishes.
Ready to price your Keene home?
One call to 800-875-4711 or a short online form gets several carriers working on your quote.
Sources for this Keene page
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, Johnson County
- OMB metro and micro areas
- Census Gazetteer coordinates
- Community Status Book (NFIP)
- Census ACS 2020–2024, Keene city: year built, structure type, median year built, population, tenure, home value
- Texas Comptroller regions
- County and state comparisons: Johnson County value, Johnson County build year
- FEMA National Risk Index, Johnson County
- TWIA coverage area
- Storm Events Database (NOAA), Johnson County
- OpenFEMA flood insurance data, Johnson County