Home Insurance in St. Paul, Texas
The median home value in St. Paul is $494,300, close to the Collin County median.
The typical home in St. Paul was built around 2000. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 5% of homes were built before 1960, about 3 points above Collin County's 2%.
The housing stock in St. Paul is 94% single-family homes and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In St. Paul, about 53% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
St. Paul has an owner-occupancy rate of 96% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 74% of homes in St. Paul are primarily heated with electricity.
Collin County's top FEMA-rated hazard is tornado (Very High), per FEMA's National Risk Index. 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).
Key figures
| Median home value | $494,300 |
|---|---|
| Median year built | 2000 |
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Tornado (Very High) |
| Active NFIP policies in Collin County | 1,589 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
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)