Home Insurance in Cedar Hill, Texas
With a median home value of $302,700, Cedar Hill is close to the Dallas County median.
The typical home in Cedar Hill was built around 1995. About 2% of homes were built before 1960, about 15 points below Dallas County's 17%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Cedar Hill breaks down to 85% single-family homes and 12% apartments in buildings with 5+ units.
In Cedar Hill, about 67% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 71% of occupied homes in Cedar Hill are owner-occupied.
In Cedar Hill, 75% of homes are primarily heated with electricity.
Dallas County's top FEMA-rated hazard is hail (Very High), per FEMA's National Risk Index. 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.
20 licensed insurance agencies serve this area.
Key figures
| Median home value | $302,700 |
|---|---|
| Median year built | 1995 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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 Cedar Hill
- CALCULATED MOVES INC, Cedar Hill (Pers Lines Prop and Cas Agency)
- CASTLEMAN AGENCY INC, Cedar Hill (General Lines Agency)
- CLARK - PATTON INSURANCE AGENCY, INC., Cedar Hill (General Lines Agency)
- COBB PROFESSIONAL SERVICES, INC., Cedar Hill (General Lines Agency)
- DENNIS W. SMITH, LUTCF INC., Cedar Hill (General Lines Agency)
- DEREK FINANCIAL SERVICES LLC, Cedar Hill (General Lines Agency)
- DON ATWELL AND ASSOCIATES, LLC, Cedar Hill (General Lines Agency)
- DRIFTER'S INSURANCE GROUP, LLC, Cedar Hill (General Lines Agency)
- LEGACY WEALTH STRATEGIES LLC, Cedar Hill (General Lines Agency)
- LOGAN & ASSOCIATES, P.C., Cedar Hill (General Lines Agency)
- MAI INSURANCE SERVICES AND ASSOC. LLC, Cedar Hill (General Lines Agency)
- RICK SMITH INSURANCE AGENCY, INC., Cedar Hill (General Lines Agency)
- ROLLINS GROUP LLC, Cedar Hill (General Lines Agency)
- RUIZ INSURANCE SERVICES, LLC, Cedar Hill (General Lines Agency)
- SAMPSON FINANCIAL SERVICES INC, Cedar Hill (General Lines Agency)
- TEXAS P&C INSURANCE AGENCIES, INC., Cedar Hill (General Lines Agency)
- THORNTON314 LLC, Cedar Hill (General Lines Agency)
- TIMOTHY GIBBS INSURANCE AGENCY INC., Cedar Hill (General Lines Agency)
- VENTURE UNLIMITED, INC., Cedar Hill (General Lines Agency)
- WIA INC, Cedar Hill (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)