Home Insurance in Fairview, Texas
Homes in Fairview carry a median value of $597,300 - 26% higher than the Collin County median.
The typical home in Fairview was built around 2006. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 0% of homes were built before 1960, about 2 points below Collin County's 2%.
Housing in Fairview breaks down to 73% single-family homes and 27% apartments in buildings with 5+ units.
In Fairview, about 54% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Fairview has an owner-occupancy rate of 74% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in Fairview - 54% - are primarily heated with natural gas.
Collin County had 1,589 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Very High). See the full Collin County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Texas carries a statewide average premium of $2,864 per year.
This area lists 2 licensed insurance agencies.
Key figures
| Median home value | $597,300 |
|---|---|
| Median year built | 2006 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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 Fairview
- ENTERPRISE AMERICA INSURANCE AGENCY INC, Fairview (General Lines Agency)
- INSURECO FINANCIAL INC, Fairview (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)