HomeInsuranceQts

Home Insurance in Irving, Texas

With a median home value of $315,600, Irving is close to the Dallas County median.

The typical home in Irving was built around 1986. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 11% of homes were built before 1960, about 6 points below Dallas County's 17%.

Housing in Irving breaks down to 43% single-family homes, 48% apartments in buildings with 5+ units and 2% mobile or manufactured homes.

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

Irving has an owner-occupancy rate of 38% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.

65% of homes in Irving are primarily heated with electricity.

What's the biggest home insurance risk near Irving? 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 123 licensed insurance agencies.

Key figures

Median home value$315,600
Median year built1986
Owner-occupied share38%
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 Irving, TX

Licensed insurance agencies in Irving

...and 63 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