HomeInsuranceQts

Home Insurance in McKinney, Texas

With a median home value of $471,800, McKinney is close to the Collin County median.

The typical home in McKinney was built around 2007. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 4% of homes were built before 1960, about 2 points above Collin County's 2%.

Housing in McKinney breaks down to 73% single-family homes, 23% apartments in buildings with 5+ units and 1% mobile or manufactured homes.

About 74% of owner-occupied homes in McKinney have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.

About 64% of occupied homes in McKinney are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.

In McKinney, 53% of homes are primarily heated with natural gas.

FEMA rates Collin County's overall risk as Relatively High, led by tornado (Very High). 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).

This area lists 111 licensed insurance agencies.

Key figures

Median home value$471,800
Median year built2007
Owner-occupied share64%
Share of owner-occupied homes with a mortgage74%
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 McKinney, TX

Licensed insurance agencies in McKinney

...and 51 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