Population: 153,095 | South region | 95% above national average for homeowners insurance
Killeen is a mid-size city with a population of 153,095 in the South region. Insurance costs here are shaped by a combination of Texas's regulatory environment, local risk factors, and the city's specific demographic profile.
Homeowners in Killeen face significantly elevated insurance costs at $5,063/yr — 95% above the national average. Over a 30-year mortgage, this premium gap amounts to approximately $73,890 in additional insurance costs compared to the average American homeowner. This is a material factor in the true cost of homeownership here and should be carefully factored into any home purchase decision.
Flood risk is a key insurance consideration in Killeen. Standard homeowners insurance does not cover flood damage — a separate flood policy through the NFIP or a private carrier is needed. Properties in FEMA-designated flood zones face mandatory flood insurance requirements if they have a federally backed mortgage.
Killeen's crime index of 42/100 is moderate — neither a significant penalty nor a notable benefit for insurance pricing. Standard security measures and a claims-free history are the most effective ways to keep premiums in check.
The total annual insurance budget for a Killeen homeowner with a car is approximately $7,780/yr ($648/mo). This is significantly above the national combined average of $5,097/yr. For anyone relocating to Killeen, budgeting for this higher insurance cost is essential — it can represent the equivalent of one or more extra monthly car payments per year. Bundling homeowners and auto with the same carrier typically saves 15-20%, which could mean $1,323 in annual savings.
Data sources: Insurance cost estimates derived from NAIC reports, Insurance.com, Bankrate, and Insurify (2025-2026). City risk factors from FEMA, FBI UCR, and state insurance department filings. Figures represent average annual premiums for standard coverage and may vary based on individual factors.
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