HomeInsuranceQts

Home Insurance in Dallas, Texas

With a median home value of $320,700, Dallas is 6% 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 Dallas was built around 1981. About 22% of homes were built before 1960, about 5 points above Dallas County's 17%.

Housing in Dallas breaks down to 45% single-family homes, 47% apartments in buildings with 5+ units and 1% mobile or manufactured homes.

About 54% of owner-occupied homes in Dallas have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.

About 42% of occupied homes in Dallas are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.

In Dallas, 65% of homes 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.

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).

526 licensed insurance agencies are listed for this area.

Key figures

Median home value$320,700
Median year built1981
Owner-occupied share42%
Share of owner-occupied homes with a mortgage54%
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 Dallas, TX

Licensed insurance agencies in Dallas

...and 466 more licensed agencies.

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

Nearby towns

Sources

Data last updated: 2026-09-29