HomeInsuranceQts

Home Insurance in Coppell, Texas

The median home value in Coppell is $560,500, 85% higher than the Dallas County median.

Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Coppell was built around 1994. About 1% of homes were built before 1960, about 16 points below Dallas County's 17%.

Housing in Coppell breaks down to 76% single-family homes, 19% apartments in buildings with 5+ units and 2% mobile or manufactured homes.

In Coppell, about 65% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

About 69% of occupied homes in Coppell are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.

55% of homes in Coppell are primarily heated with natural gas.

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.

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).

25 licensed insurance agencies serve this area.

Key figures

Median home value$560,500
Median year built1994
Owner-occupied share69%
Share of owner-occupied homes with a mortgage65%
Top county hazardHail (Very High)
Active NFIP policies in Dallas County6,674
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)
Key home insurance figures for Coppell, TX

Licensed insurance agencies in Coppell

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

Nearby towns

Sources

Data last updated: 2026-09-29