Insurance in Killeen, Texas

How fast Nolan Creek rises

Nolan Creek recurs in Killeen's flood record, and it rises fast: downstream near Nolanville on June 12, 2025, NOAA recorded South Nolan Creek at Twin Creek Road rising 6.32 feet in under 45 minutes. On May 24, 2007, flooding washed a mobile home into Nolan Creek and swept at least two cars in; NOAA lists four deaths. On September 7, 2010, Hermine's remnants closed Highway 190, emptied an apartment complex on Watercrest Drive and killed a 19-year-old whose car went under on Reese Creek Road.

TDI lists flood among the damage comprehensive coverage pays for on a car. For a home or apartment, FEMA says federal flood policies are sold wherever the community is in the NFIP, renters can buy contents coverage, and a new policy usually waits 30 days. The city's FEMA Updates page links its floodplain map, map revisions such as Little Nolan Creek's, and floodplain permit forms.

I-14 and a year of crash counts

Killeen police counted 2,373 crashes in 2025, up 5.7 percent, with 779 injury crashes, 1,194 people hurt and 14 fatal crashes; the department calls the figures preliminary and draws them from TxDOT's CRIS data. TxDOT says about 25 miles of highway are currently designated and signed as I-14, from I-35 in Belton to US 190E in Copperas Cove, and its I-14 Extension project would carry the interstate on from Belton through Temple toward Rogers.

With that volume, uninsured/underinsured motorist coverage is worth a look: TDI says it pays when the driver who hits you has no insurance or too little, and after a hit-and-run, and insurers must offer it unless you reject it in writing (auto insurance guide). SH 195 connects Fort Hood's east gate with I-35 north of Georgetown.

Renters, storage units and deployment orders

On March 2, 2025, a fire that began near a storage facility at Atkinson Road and Freedom Drive destroyed the facility, its storage boxes and a nearby apartment complex, displacing 36 people. TDI notes that a landlord's insurance won't cover a tenant's belongings, that renters policies typically pay additional living expenses after a covered loss, and that items in a storage unit are usually covered only up to 10 to 20 percent of the personal property limit (renters insurance guide).

The Army restored the Fort Hood name by an order signed June 11, 2025, this time honoring World War I Col. Robert B. Hood, and marked the change at a July 28, 2025 ceremony. Before a deployment, TDI suggests asking about the car if nobody will drive it, whether personal items you take are covered, and how the home policy defines vacancy, since many homeowners policies don't cover damage to a home left vacant for a set time, typically 60 days. More on the county: Bell County.

• Killeen Alerts: text KilleenTX to 38276 for the city's Resident Portal alerts.
• Bell County CodeRED: voluntary reverse 9-1-1 sign-up for cell phones and email.

Local risk: the federal disaster record in Killeen

Since 2000, FEMA has made 14 disaster, emergency or fire-management declarations covering Bell County. By type:

• Hurricanes and coastal storms: 4
• Wildfires: 4
• Winter and ice storms: 2
• Floods: 1
• Severe storms (hail, wind, tornadoes): 1

Most recent major disaster declarations:

• 2024: Severe Storms, Straight-Line Winds, Tornadoes, And Flooding
• 2021: Severe Winter Storms
• 2007: Severe Storms, Tornadoes, And Flooding
• 2005: Extreme Wildfire Threat

Wildfire risk makes replacement-cost coverage, adequate dwelling limits and additional living expenses coverage especially important. Keep a home inventory somewhere other than your home.

Winter storms can freeze pipes and cut power. Most home policies cover sudden burst-pipe damage, but insurers can deny claims when a home wasn't kept heated. Ask how your policy handles it.

Not every hurricane declaration here means a storm hit: many were emergency declarations for sheltering evacuees from the coast, or statewide declarations. Killeen is far from storm surge, but tropical systems moving inland can still bring heavy rain and strong wind. Check your wind and hail deductible and whether you need a separate flood policy, since home policies leave flooding out.

Declarations count how often federal help was declared, not how bad each event was. Statewide declarations (such as the February 2021 winter storm) are counted for every county, and the total includes the two 2020 COVID-19 declarations, which aren’t listed by type. These are Bell County figures; FEMA doesn't publish them by city.

Home insurance in Killeen

Bell County isn't in TWIA's coastal area, so wind and hail are usually covered by your regular home policy, often with a separate wind and hail deductible. If you can't find coverage at all, the Texas FAIR Plan is the last-resort option.

Flooding isn’t covered by standard home or renters policies anywhere in Texas. With 5 flood or hurricane declarations in Bell County since 2000, it's worth pricing a flood policy even outside a mapped flood zone.

Texas law also sets claim deadlines: your insurer must acknowledge a claim within 15 days and accept or deny it within 15 business days of getting what it needs. See Texas home insurance.

Car insurance in Killeen

Every Texas driver needs at least 30/60/25 liability coverage. PIP is included and uninsured motorist coverage must be offered unless you reject them in writing. Given the storm and flood history here, comprehensive coverage, which pays for hail and flood damage to your own car, matters more than the minimum suggests. Rates vary by ZIP code within Killeen. See Texas car insurance.

Medicare in Killeen

65,213 Bell County residents are eligible for Medicare, and 52.25% of them are enrolled in a Medicare Advantage plan (CMS, September 2026). Plans are sold by county, so compare what’s available in your ZIP code on the Medicare Plan Finder, and review your coverage during Open Enrollment, October 15 to December 7.

Free, unbiased Medicare counseling for Bell County comes from the Central Texas AAA (254-770-2345), part of Texas’s HICAP program. See Medicare in Texas.

ZIP codes in Killeen

76540 · 76541 · 76542 · 76543 · 76547 · 76549

Common questions