Killeen has 158,159 residents in 59,769 households. We list 14 agencies for home insurance in Killeen. Here is what the local numbers say about the cover people here need.

Killeen at a glance

14home insurance agencies listed
50.5%of households rentRenters insurance
$215,400median home valueHome insurance
1996median year homes were builtRebuild cost calculator
5%of households have no carAuto insurance
3.7%of homes are mobile homesMobile home insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Bell County

FEMA rates the overall natural hazard risk in Bell County, where most Killeen agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:

LightningVery High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Killeen
HailRelatively High
Hail is usually a covered cause of loss on home policies and under comprehensive cover on a car, but some insurers exclude wind and hail or apply a separate deductible. Ask the agent which applies.
Home insurance in Killeen
TornadoRelatively High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Killeen
Winter weatherRelatively High

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Texas

Texas requires drivers to carry at least $30,000 of bodily injury liability per person, $60,000 per accident and $25,000 of property damage liability, often written 30/60/25.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Killeen How much liability cover do you need?

Source: tdi.texas.gov. Checked 2026-10-24.

Insurance companies Killeen agencies work with

Of the 14 Killeen agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Progressive8 agencies
Home State6 agencies
Foremost5 agencies
GEICO5 agencies
Incline5 agencies
Redpoint4 agencies
WESTERN SURETY COMPANY4 agencies
American Modern3 agencies
Markel3 agencies
National General3 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Where Killeen agencies are

Killeen agencies we list sit in 4 ZIP codes, mostly in Bell County.

765416 agencies
765434 agencies
765402 agencies
765422 agencies

Questions

Home insurance in Killeen

All insurance agencies in Killeen · Home insurance across Texas

Where can I find home insurance in Killeen?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does home insurance cover?

Covers your building, your contents and your liability as a homeowner.

Which insurance companies do Killeen agencies work with?

Among the 14 Killeen agencies whose appointments we hold, the companies they are most often appointed with are Progressive (8), Home State (6), Foremost (5), GEICO (5), Incline (5). An appointed agency can quote that company's policies.

Do I need flood insurance in Killeen?

FEMA's National Risk Index rates inland flooding risk in Bell County as Relatively Moderate compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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