Home / Texas Home Insurance Locations / Killeen
Home Insurance in Killeen, TX
Killeen homeowners insure against lightning and hail first, according to FEMA’s county ratings. This page lays out the local hazard data and what it means for coverage.
$3,369/yr
About $281/mo · ~$300k-$400k dwelling class
$2,106/yr
About $176/mo after modeled shopping discount
About 37.5% below local market estimate
What FEMA’s ratings say about Killeen
FEMA’s county-level National Risk Index puts Bell County in the relatively moderate band overall. Hazard by hazard, the strongest scores are for lightning (very high), hail (relatively high) and tornadoes (relatively high).
FEMA rates lightning very high here; ask whether electronics damaged by a surge are covered and at what limit.
A relatively high hail rating makes the wind/hail deductible one of the biggest pricing levers, since a percentage deductible is based on your dwelling limit, not the claim.
With tornadoes rated relatively high, check that loss-of-use coverage would carry you through a long rebuild.
With winter weather rated relatively high, roof damage from ice and frozen-pipe claims are the usual concerns.
The Bell County storm record, 2016 to 2025
NOAA’s Storm Events Database logs 122 hail reports in Bell County from 2016 through 2025. Stones of one inch or more showed up in 105 of the reports. The largest reported hail was 5.68 inches on April 12, 2022. Between 2016 and 2025, 9 tornadoes touched down in Bell County, the strongest rated EF3 on April 12, 2022.
Thunderstorm wind reports numbered 51, with a peak near 100 mph. NOAA also counts 47 flash flood events in the county in that period.
FEMA has issued 5 natural-hazard major disaster declarations covering Bell County since 2000. The latest declarations were Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024), Severe Winter Storms (2021) and Severe Storms, Tornadoes, and Flooding (2007).
Wind and hail coverage in Killeen
TWIA does not write in Bell County; wind and hail claims go through your regular homeowners policy, which may carry its own wind/hail deductible.
Flood exposure and the NFIP in Killeen
FEMA lists Killeen as a participating NFIP community. The flood insurance rate map in effect was issued in September 2008. Flood coverage is far from universal: 837 residential NFIP policies in Bell County, or about 1 per 136 homes. Bell County has produced 95 NFIP claims from 2016 on. Flood needs its own policy, and buying one right before a storm will not help because of the usual 30-day wait.
The FEMA Flood Map Service Center shows the flood zone for any address.
Killeen housing in brief
According to the Census Bureau, the typical home in Killeen went up around 1996. About 25% of homes went up before 1980, while 43% were built in 2000 or later. Census data shows a median home value of $215,400 in Killeen. Bell County as a whole is in the same range, at $241,000. Your dwelling limit should be built from square footage, materials and local labor costs rather than what the house would sell for.
Where Killeen homeowners can check the details
Bell County is home to Killeen. Bell County forms part of the urban core of the Killeen-Temple metro. Killeen lies north of Austin, around 54 miles away in a straight line.
The Bell County appraisal district (www.bellcad.org) publishes the square footage, year built and improvements insurers use to estimate rebuild cost. The district office address is 411 E. Central Ave. Belton, TX 76513-3241. For local warnings, the responsible National Weather Service office is NWS Fort Worth/Dallas, TX. Its assigned radar site for Killeen is KGRK.
Questions about weather risk in Killeen
How common are hailstorms in Bell County?
NOAA’s Storm Events Database lists 122 hail reports in Bell County from 2016 through 2025, 105 of them with stones an inch or larger. FEMA’s National Risk Index rates the county’s hail risk relatively high. Impact-resistant roofing and a deductible you can afford are the two levers worth discussing with an agent.
Are frozen pipes covered in Killeen?
Generally yes, if a pipe bursts suddenly and you kept the home reasonably heated. FEMA rates winter weather risk in Bell County as relatively high. Slow leaks, mold and wear are commonly excluded.
Is windstorm insurance through TWIA an option in Killeen?
No. Bell County is outside TWIA’s designated catastrophe area, so wind and hail are covered by the homeowners policy itself, usually with a separate wind and hail deductible.
Do I have to carry homeowners insurance in Killeen?
No Texas law requires it, but mortgage lenders almost always do, and they can buy costly force-placed coverage if your policy lapses.
Compare Killeen home insurance quotes
One call to 800-875-4711 or a short online form gets several carriers working on your quote.
Data sources and notes
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.
- Census CBSA delineation
- Census Gazetteer files
- NOAA Storm Events Database, Bell County
- National Risk Index (FEMA), Bell County
- Texas property tax directory, Bell County
- American Community Survey 2020–2024, Killeen city: median year built, tenure, population, home value, structure type, year built
- OpenFEMA flood insurance data, Bell County
- Disaster declarations (FEMA), Bell County
- NFIP Community Status Book
- NWS Fort Worth/Dallas, TX
- Comparison figures: Bell County value, Bell County build year
- Comptroller 2024 regions
- TWIA coverage area