HomeInsuranceQts

Home Insurance in Mesquite, Texas

Homes in Mesquite carry a median value of $245,700 - 19% lower than the Dallas County median.

The typical home in Mesquite was built around 1983. About 12% of homes were built before 1960, about 4 points below Dallas County's 17%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.

The housing stock in Mesquite is 73% single-family homes, 22% apartments in buildings with 5+ units and 1% mobile or manufactured homes.

About 61% of owner-occupied homes in Mesquite have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.

Mesquite has an owner-occupancy rate of 63% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.

In Mesquite, 58% 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.

33 licensed insurance agencies are listed for this area.

Key figures

Median home value$245,700
Median year built1983
Owner-occupied share63%
Share of owner-occupied homes with a mortgage61%
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 Mesquite, TX

Licensed insurance agencies in Mesquite

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

Nearby towns

Sources

Data last updated: 2026-09-29