Home Insurance in DeSoto, Texas
The median home value in DeSoto is $319,400, 5% higher than the Dallas County median.
The typical home in DeSoto was built around 1993. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 2% of homes were built before 1960, about 15 points below Dallas County's 17%.
Housing in DeSoto breaks down to 77% single-family homes, 15% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
70% of owner-occupied homes in DeSoto carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 70% of occupied homes in DeSoto are owner-occupied.
In DeSoto, 55% of homes are primarily heated with electricity.
Dallas County had 6,674 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Very High). 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.
12 licensed insurance agencies serve this area.
Key figures
| Median home value | $319,400 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 70% |
| 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 DeSoto
- ADAMCIK INSURANCE SERVICES LLC, Desoto (General Lines Agency)
- AFIG LLC, Desoto (General Lines Agency)
- AJ MARTIN INSURANCE AGENCIES LLC, Desoto (General Lines Agency)
- FIELDS SERVICES INC, Desoto (General Lines Agency)
- JARVIS HILL INSURANCE AGENCY, INC., Desoto (General Lines Agency)
- KRYSTAL BROWN INSURANCE AGENCY INC, Desoto (General Lines Agency)
- LATINOS AUTO INSURANCE AGENCY LLC, Desoto (General Lines Agency)
- RAPI-YA! INSURANCE SOLUTIONS LLC, Desoto (General Lines Agency)
- RON KNOTT INSURANCE AGENCY INC, Desoto (General Lines Agency)
- SOSA'S INSURANCE AND SERVICES LLC, Desoto (General Lines Agency)
- TRUE FORCE, LLC, Desoto (General Lines Agency)
- VERONICA'S FINANCIAL SERVICES AND INSURANCE BROKER, LLC, Desoto (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)