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Home Insurance in Keller, TX
What Keller houses look like on paper, including age, type and value, and how each detail feeds into a homeowners quote.
Keller homes at a glance
In Keller, 83% of occupied homes are lived in by their owners and 88% of units are detached houses.
How age and construction affect a Keller quote
1999 is the median year built for housing units in Keller. Roughly 10% of the housing stock predates 1980 and 48% is from 2000 onward. A middle-aged housing stock means roof age matters a lot: a roof past roughly 15 to 20 years can move a policy to actual cash value roof coverage with some carriers.
$5,340/yr
About $445/mo · ~$300k-$400k dwelling class
$3,402/yr
About $284/mo after modeled shopping discount
About 36.3% below local market estimate
Setting the dwelling limit in Keller
Median home value: $594,300, according to the latest five-year Census survey. That sits above the county-wide median of $323,900. A home’s market value is a starting point only; the dwelling limit should reflect labor and materials to rebuild it at today’s prices.
What each coverage does for Keller owners
Pays to rebuild the house itself. Set it from a replacement-cost estimate, not the sale price or tax value.
Fences and outbuildings. The default limit is often a percentage of Coverage A, which can be too low on larger lots. Larger lots and outbuildings are common here, so check the limit.
Contents coverage, with special lower limits for jewelry, firearms and collectibles unless scheduled.
Loss of use. After a large storm, contractor backlogs can stretch repairs, so this limit matters.
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.
Storm and flood context for Keller
The National Risk Index from FEMA scores Tarrant County as relatively high for combined natural-hazard risk. The highest-rated individual hazards are hail (very high), tornadoes (very high) and winter weather (very high). From 2016 to 2025, 465 hail events were recorded in Tarrant County in NOAA’s Storm Events Database. Quarter-size or larger stones, an inch and up, appear in 380 of them. The biggest stones, 5 inches across, fell on June 12, 2023.
Wind coverage in Tarrant County stays inside the homeowners policy because the county is outside TWIA’s coastal territory; compare the wind/hail deductible on every quote. Search the FEMA Flood Map Service Center by street address to find your zone.
Where to look up your Keller home
Before you request quotes, pull your record from the Tarrant appraisal district at www.tad.org; the Texas Comptroller’s Tarrant County directory lists its contact details. Its office is at 2500 Handley-Ederville Rd. Fort Worth, TX 76118-6909.
Keller is in Tarrant County. The Dallas-Fort Worth-Arlington metro area counts Tarrant County among its central counties. Keller lies north of North Richland Hills, around 5 miles away in a straight line.
Keller housing and coverage questions
Does the age of Keller housing affect insurance?
Census estimates put the median build year at 1999, with about 10% of homes older than 1980. At this age the roof is the main question, followed by the water heater and supply lines.
What does the Keller savings estimate on this page mean?
Our illustrative TX Insurance Resources estimate for Keller reflects a modeled 36.3% improvement versus the local market anchor. It is an estimate for comparison only; real results vary by home, coverage and carrier.
Where can I find my property details before getting a quote in Keller?
Start at www.tad.org, the Tarrant appraisal district site, for size, year built and improvement records. Add your roof replacement date and any updates to complete the picture.
Is the median home value in Keller the right dwelling limit?
Usually not. The median owner-estimated value in Keller is $594,300, yet that number includes land and location. Carriers estimate replacement cost from size, construction and finishes, and that is what the dwelling limit should follow.
Get a Keller home insurance quote
One call to 800-875-4711 or a short online form gets several carriers working on your quote.
Sources for this Keller page
Figures were retrieved in October 2026 and are estimates with margins of error. Price estimates near the top are Texas Insurance Resources models for comparison, not quotes or published averages.
- County and state comparisons: Tarrant County value, Tarrant County build year
- TWIA coverage area
- Texas Comptroller regions
- Storm Events Database (NOAA), Tarrant County
- OMB metro and micro areas
- Gazetteer (Census)
- Texas property tax directory, Tarrant County
- Census Bureau ACS five-year data, Keller city: structure type, tenure, population, home value, year built, median year built
- FEMA NRI county ratings, Tarrant County