Home Insurance in Josephine, Texas
The median home value in Josephine is $320,200, 33% lower than the Collin County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Josephine was built around 2013. About 4% of homes were built before 1960, about 2 points above Collin County's 2%.
In Josephine, the housing stock is 91% single-family homes and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Josephine, about 81% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Josephine has an owner-occupancy rate of 94% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Josephine - 86% - are primarily heated with electricity.
What's the biggest home insurance risk near Josephine? 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).
1 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $320,200 |
|---|---|
| Median year built | 2013 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 81% |
| 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 Josephine
- MOTIVATIONAL CREATIVE COMPANY LLC, Josephine (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)