HomeInsuranceQts

Home Insurance in Dallas County, Texas

Homes in Dallas County carry a median value of $303,000 - 7% higher than the Texas median.

Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Dallas County was built around 1983. About 17% of homes were built before 1960, about 4 points above Texas's 12%.

The housing stock in Dallas County is 56% single-family homes, 37% apartments in buildings with 5+ units and 2% mobile or manufactured homes.

About 57% of owner-occupied homes in Dallas County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.

The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 51% of occupied homes in Dallas County are owner-occupied.

In Dallas County, 62% of homes are primarily heated with electricity.

FEMA's National Risk Index lists hail (Very High), tornado (Very High) and inland flooding (Very High) as the leading hazards for Dallas County.

As of September 2026, Dallas County has 6,674 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.

According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Texas carries a statewide average premium of $2,864 per year.

1,039 licensed insurance agencies serve this area.

Key figures

Median home value$303,000
Median year built1983
Owner-occupied share51%
Share of owner-occupied homes with a mortgage57%
Top hazards (FEMA National Risk Index)Hail (Very High), Tornado (Very High), Inland Flooding (Very High)
Active NFIP flood policies (county)6,674
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)

Towns and cities

Licensed insurance agencies in Dallas County

...and 979 more licensed agencies.

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

Sources