HomeInsuranceQts

Home Insurance in Collin County, Texas

The median home value in Collin County is $475,600, 68% higher than the Texas median.

The typical home in Collin County was built around 2003. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 2% of homes were built before 1960, about 10 points below Texas's 12%.

The housing stock in Collin County is 70% single-family homes, 25% apartments in buildings with 5+ units and 2% mobile or manufactured homes.

In Collin County, about 69% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

About 65% of occupied homes in Collin County are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.

50% of homes in Collin County are primarily heated with electricity.

The top hazards for Collin County, per FEMA's National Risk Index, are tornado (Very High), hail (Very High) and inland flooding (Relatively High).

As of September 2026, Collin County has 1,589 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.

In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).

This area lists 581 licensed insurance agencies.

Key figures

Median home value$475,600
Median year built2003
Owner-occupied share65%
Share of owner-occupied homes with a mortgage69%
Top hazards (FEMA National Risk Index)Tornado (Very High), Hail (Very High), Inland Flooding (Relatively High)
Active NFIP flood policies (county)1,589
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)

Towns and cities

Smaller communities

Licensed insurance agencies in Collin County

...and 521 more licensed agencies.

Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt

Sources