HomeInsuranceQts

Home Insurance in Frisco, Texas

The median home value in Frisco is $642,100, 35% higher than the Collin County median.

Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Frisco was built around 2009. About 0% of homes were built before 1960, about 2 points below Collin County's 2%.

The housing stock in Frisco is 72% single-family homes and 26% apartments in buildings with 5+ units.

75% of owner-occupied homes in Frisco carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

Frisco has an owner-occupancy rate of 66% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.

54% of homes in Frisco are primarily heated with natural gas.

What's the biggest home insurance risk near Frisco? 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.

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

120 licensed insurance agencies are listed for this area.

Key figures

Median home value$642,100
Median year built2009
Owner-occupied share66%
Share of owner-occupied homes with a mortgage75%
Top county hazardTornado (Very High)
Active NFIP policies in Collin County1,589
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)
Key home insurance figures for Frisco, TX

Licensed insurance agencies in Frisco

...and 60 more licensed agencies.

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

Nearby towns

Sources

Data last updated: 2026-09-29