Bell County
- Average annual premium · with wind
- $2,708
- Average insured coverage
- $375,000
- Policies with wind coverage
- 78,865
- Companies reporting policies
- 115
Central Texas place guide · Ron Marchiani, Farmers agent
Insurance questions for Troy, Texas.
There is no single insurance rate for Troy. Insurers assess the specific home, vehicle, people, coverage and underwriting details; Census data is local context, not a quote. The Census Bureau estimates Troy at 3,585 people in 2025, +50.9% from its 2020 estimate base. The 2020–2024 ACS also provides local housing and household-income estimates with margins of error.
2025 population estimate3,585
Change from 2020 base+1,210
Percent change+50.9%
County portion(s)Bell
County population context · 2025 estimate
Bell County 402,248
Population source: Census Bureau Vintage 2025 place estimates, July 1, 2025; comparison uses the 2020 estimate base. County figures are separate countywide estimates. These are local context, not a service-area guarantee, local insurance-price statistic or loss forecast.
Housing and household facts · 2020–2024 ACS
The Census Bureau’s five-year survey estimates help describe the community. Each estimate is shown with its 90% margin of error (±); the survey period is 2020–2024, not a single-year snapshot.
Median owner-occupied home value$201,500 ± $30,829ACS table B25077 · 90% margin of error
Median household income (2024 dollars)$86,311 ± $12,736ACS table B19013 · inflation adjusted · 90% margin of error
Owner-occupied housing units636 ± 88ACS table B25003 · 90% margin of error
These are survey estimates, not Troy insurance rates, property-specific reconstruction costs, valuations, underwriting decisions, loss forecasts or quotes. Use the linked Census profile to review definitions and the full data.
ACS data for Troy
Homeowners market context · TDI 2025 data
County averages around Troy
TDI’s map describes homeowners policies active on December 31 of the selected year. These 2025 figures are county averages for policies with wind coverage—not city-specific prices, a quote, or a forecast for your home. The averages and counts describe the reported market, not the options available to every household. Retrieved October 29, 2026.
Sources
Download the 2025 Central Texas county data (CSV) ↗More local data
That profile includes additional demographic, housing, and economic estimates. Census survey estimates have margins of error and are not insurance rates or coverage recommendations.
Local coverage checklist
What to compare in Troy
There is no single “Troy insurance rate.” Compare the details that determine what a policy actually covers.
- Home: rebuild assumptions, roof settlement, water exclusions, liability and wind or hail deductible.
- Auto: drivers, vehicles, garaging address, use, liability limits and deductibles.
- Renters: belongings, liability, loss of use and special limits.
- Business: operations, property, staff, vehicles and contract requirements.
Questions about this place
Answers for Troy
What is the latest population estimate for Troy, Texas?
The U.S. Census Bureau’s Vintage 2025 estimate for Troy is 3,585. Its 2020 estimate base is 2,375, a change of +1,210 (+50.9%).
Which counties include Troy?
The Census county-part geography used here associates Troy with county portions in Bell. Place boundaries can cross county lines; check the source for exact geography.
What is the average homeowners premium near Troy?
TDI’s 2025 county map reports Bell County: $2,708 average annual premium with wind coverage. These are countywide averages for homeowners policies with wind coverage active on December 31, 2025; they are not Troy-specific prices, quotes or predictions. Coverage amount, property features, insurer, underwriting and policy terms affect an individual premium.
What are the Census housing and income estimates for Troy?
The 2020–2024 American Community Survey 5-year estimates report a median owner-occupied home value of $201,500 ± $30,829, median household income of $86,311 ± $12,736 in 2024 inflation-adjusted dollars, and 636 ± 88 owner-occupied housing units. Each ± figure is the Census Bureau’s 90% margin of error. These five-year survey estimates are community context, not one-year counts, replacement cost, an insurance rate, eligibility decision, quote or coverage recommendation.
More Central Texas resources
Browse all cities and communities · Home insurance guide · Wind and hail deductible guide · Talk with Ron