Home Insurance in Farmersville, Texas
With a median home value of $289,400, Farmersville is 39% lower than the Collin County median.
The typical home in Farmersville was built around 1980. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 37% of homes were built before 1960, about 35 points above Collin County's 2%.
In Farmersville, the housing stock is 96% single-family homes and 3% apartments in buildings with 5+ units.
51% of owner-occupied homes in Farmersville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 70% of occupied homes in Farmersville are owner-occupied.
Most homes in Farmersville - 51% - are primarily heated with natural gas.
What's the biggest home insurance risk near Farmersville? 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.
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 3 licensed insurance agencies.
Key figures
| Median home value | $289,400 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 51% |
| 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 Farmersville
- JERRY BOB REED, INC., Farmersville (General Lines Agency)
- PINKY PROMISE INSURANCE AGENCY LLC, Farmersville (General Lines Agency)
- THE COTTLE AGENCY LLC, Farmersville (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)