HomeInsuranceQts

Home Insurance in Wylie, Texas

Homes in Wylie carry a median value of $387,000 - 19% lower 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 Wylie was built around 2006. About 2% of homes were built before 1960, in line with Collin County (2%).

Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Wylie is 86% single-family homes, 8% apartments in buildings with 5+ units and 5% mobile or manufactured homes.

In Wylie, about 74% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

About 77% of occupied homes in Wylie are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.

In Wylie, 51% of homes are primarily heated with electricity.

What's the biggest home insurance risk near Wylie? 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).

This area lists 20 licensed insurance agencies.

Key figures

Median home value$387,000
Median year built2006
Owner-occupied share77%
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 Wylie, TX

Licensed insurance agencies in Wylie

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

Nearby towns

Sources

Data last updated: 2026-09-29