HomeInsuranceQts

Home Insurance in Garland, Texas

The median home value in Garland is $270,800, 11% lower than the Dallas County median.

The typical home in Garland was built around 1978. About 11% of homes were built before 1960, about 6 points below Dallas County's 17%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.

The housing stock in Garland is 72% single-family homes and 24% apartments in buildings with 5+ units.

In Garland, about 58% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

Garland has an owner-occupancy rate of 62% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.

56% of homes in Garland 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.

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).

This area lists 79 licensed insurance agencies.

Key figures

Median home value$270,800
Median year built1978
Owner-occupied share62%
Share of owner-occupied homes with a mortgage58%
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 Garland, TX

Licensed insurance agencies in Garland

...and 19 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