HomeInsuranceQts

Home Insurance in Grand Prairie, Texas

The median home value in Grand Prairie is $295,500, close to the Dallas County median.

The typical home in Grand Prairie was built around 1992. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 10% of homes were built before 1960, about 7 points below Dallas County's 17%.

In Grand Prairie, the housing stock is 67% single-family homes, 25% apartments in buildings with 5+ units and 3% mobile or manufactured homes.

In Grand Prairie, about 59% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

Grand Prairie has an owner-occupancy rate of 59% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.

65% of homes in Grand Prairie are primarily heated with electricity.

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.

In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).

37 licensed insurance agencies are listed for this area.

Key figures

Median home value$295,500
Median year built1992
Owner-occupied share59%
Share of owner-occupied homes with a mortgage59%
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 Grand Prairie, TX

Licensed insurance agencies in Grand Prairie

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

Nearby towns

Sources

Data last updated: 2026-09-29