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Urban dweller to have secure fences (6)

Ross

I believe the answer is:

townie

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'urban dweller' is the definition.
'townie' can be an answer for 'dweller' (townie is a kind of dweller). I'm unsure of the 'urban' bit.

'have secure fences' is the wordplay.
'have' becomes 'own' (to have something is to own it).
'secure' becomes 'tie' (tying is a kind of securing).
'fences' is an insertion indicator (inserted letters are fenced off).
'own' inserted inside 'tie' is 'TOWNIE'.

'to' is the link.

Can you help me to learn more?

(Other definitions for townie that I've seen before include "citizen" , "Non-country dweller" , "No countryman" , "city type" , "knows little of the country?" .)

I've seen this clue in The Times.
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