Home Insurance in Balch Springs, Texas
With a median home value of $224,400, Balch Springs is 26% lower than the Dallas County median.
The typical home in Balch Springs was built around 1990. About 12% of homes were built before 1960, about 5 points below Dallas County's 17%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Balch Springs is 71% single-family homes, 19% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
In Balch Springs, about 51% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 65% of occupied homes in Balch Springs are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
73% of homes in Balch Springs are primarily heated with electricity.
FEMA rates Dallas County's overall risk as Very High, led by hail (Very High). Dallas County had 6,674 active NFIP flood policies as of September 2026. See the full Dallas County home insurance overview for all FEMA hazard ratings and flood coverage details.
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.
6 licensed insurance agencies serve this area.
Key figures
| Median home value | $224,400 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Hail (Very High) |
| Active NFIP policies in Dallas County | 6,674 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Balch Springs
- A TIEMPO INSURANCE & TAX SERVICE LLC, Balch Springs (General Lines Agency)
- AL COSTO INSURANCE GROUP, LLC, Balch Springs (General Lines Agency)
- CASTILLO INSURANCE & TAX SERVICE LLC, Balch Springs (General Lines Agency)
- CINAX PROFESSIONAL SERVICES CORPORATION, Balch Springs (General Lines Agency)
- SAPPHIRE AUTO & HOME INSURANCE LLC, Balch Springs (General Lines Agency)
- THE GONZALES GROUP LLC, Balch Springs (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)