Homeowners Insurance in Temple, TX
For a home at Temple's median value of $239,000, we estimate about $2,455 a year — −14% versus the Texas NAIC average of $2,864.
Estimated homeowners insurance cost in Temple
Temple's estimate reflects its home values (16% lower than the state median) and FEMA's hazard profile for Bell County.
Natural hazard risk in Temple
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 98.6 | Comprehensive (car); roof claims (home) | |
| Tornado | 98.6 | Comprehensive; dwelling | |
| Hurricane | 79.0 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 89.2 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 77.2 | Comprehensive; dwelling | |
| Winter weather | 95.8 | Collision (icy roads); frozen pipes (home) | |
| Wildfire | 89.7 | Comprehensive; dwelling | |
| Earthquake | 38.4 | Home needs a separate earthquake policy | |
| Lightning | 97.2 | Fire and electrical damage |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated premium by home value in Temple
| Dwelling value | Wood frame | Brick / masonry |
|---|---|---|
| $200,000 | $2,130 | $1,960 |
| $300,000 | $2,945 | $2,710 |
| $500,000 | $4,430 | $4,075 |
| $750,000 | $6,130 | $5,635 |
Home Insurance Estimator
Homeowners insurance by ZIP code in Temple
| ZIP | Median home value | Owner-occupied | Est. premium |
|---|---|---|---|
| 76502 | $272,500 | 64.1% | $2,725 |
| 76504 | $174,100 | 31.4% | $1,905 |
| 76501 | $172,500 | 63.9% | $1,890 |
Homeowners insurance in Texas · Car insurance in Temple · Insurance offices near Temple
Frequently asked questions
How much is homeowners insurance in Temple?
For a home at Temple's median value of $239,000, we estimate about $2,455 a year for a standard HO-3 policy with a $1,000 deductible. The Texas NAIC average is $2,864.
What are the biggest natural hazards in Temple?
FEMA's National Risk Index rates Bell County relatively high or very high for hail, tornado, winter weather, and lightning.
Does the age of homes in Temple affect insurance?
Yes. The median home in Temple was built in 1991 (Census ACS). Older roofs, wiring and plumbing can raise premiums or require inspections, while updates often earn discounts.
How we estimate this
We start from the NAIC average homeowners (HO-3) premium for Texas, scale it by the ratio of the dwelling value to the state median home value, adjust for construction type and deductible, and apply a hazard factor from FEMA National Risk Index scores for Bell County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner's Insurance Report: Data for 2023 (July 2026), Tables 4 and 5 (HO-3 and HO-4 average premiums)
- FEMA National Risk Index (Bell County)
- U.S. Census Bureau, American Community Survey (home values, year built, tenure)