Home Insurance in Duncanville, Texas
The median home value in Duncanville is $255,500, 16% lower 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 Duncanville was built around 1978. About 6% of homes were built before 1960, about 11 points below Dallas County's 17%.
Housing in Duncanville breaks down to 76% single-family homes, 18% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Duncanville, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 66% of occupied homes in Duncanville are owner-occupied.
60% of homes in Duncanville are primarily heated with electricity.
What's the biggest home insurance risk near Duncanville? FEMA's National Risk Index points to hail (Very High) in Dallas County and 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.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
This area lists 8 licensed insurance agencies.
Key figures
| Median home value | $255,500 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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 Duncanville
- ALECIA FRANCIS INSURANCE AND FINANCIAL SERVICES INC, Duncanville (General Lines Agency)
- FRY INSURANCE AGENCY, INC., Duncanville (General Lines Agency)
- PURIFOY SEAN THOMAS G.S.C.W. LLC, Duncanville (General Lines Agency)
- R PRESTON INSURANCE AGENCY LLC, Duncanville (General Lines Agency)
- RDA MARTIN & SONS INSURANCE AGENCY LTD, Duncanville (General Lines Agency)
- TEJANO LEGACY INSURANCE, Duncanville (General Lines Agency)
- THIBODEAUX INSURANCE AND FINANCIAL SERVICES INC, Duncanville (General Lines Agency)
- YOUNG AGENCY INC, Duncanville (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)