Home Insurance in Celina, Texas
Homes in Celina carry a median value of $509,600 - 7% higher than the Collin County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Celina was built around 2015. About 5% of homes were built before 1960, about 3 points above Collin County's 2%.
In Celina, the housing stock is 98% single-family homes, 1% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Celina, about 80% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 93% of occupied homes in Celina are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
61% of homes in Celina are primarily heated with natural gas.
What's the biggest home insurance risk near Celina? FEMA's National Risk Index points to tornado (Very High) in Collin County and Collin County had 1,589 active NFIP flood policies as of September 2026. See the full Collin County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Texas is $2,864 per year, according to the NAIC homeowners insurance report (2023 data).
13 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $509,600 |
|---|---|
| Median year built | 2015 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 80% |
| Top county hazard | Tornado (Very High) |
| Active NFIP policies in Collin County | 1,589 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Celina
- ACTION INSURANCE AGENCY, CO, Celina (General Lines Agency)
- ARM ONE INSURANCE AGENCY. CO, Celina (General Lines Agency)
- CELINA INSURANCE AGENCY, PLLC, Celina (General Lines Agency)
- CONTRACTORS MARK INC, Celina (General Lines Agency)
- EDDIE BUCKLEY INSURANCE AGENCY INC, Celina (General Lines Agency)
- FORTEX INSURANCE GROUP LLC, Celina (General Lines Agency)
- FOURTIFIED BUSINESS ENTERPRISE, LLC, Celina (General Lines Agency)
- HARPER AGENCY LLC, Celina (General Lines Agency)
- I-INSURE AMERICA, LLC, Celina (General Lines Agency)
- MC SQUARED INSURANCE GROUP INC, Celina (General Lines Agency)
- PG AMERICANO LLC, Celina (General Lines Agency)
- RASOR INSURANCE AGENCY LLC, Celina (General Lines Agency)
- UNDERCARD GROUP LLC, Celina (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)
- Texas Department of Insurance - licensed agencies (2026)