Home Insurance in Seagoville, Texas
Homes in Seagoville carry a median value of $230,400 - 24% lower than the Dallas County median.
The typical home in Seagoville was built around 1992. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 17% of homes were built before 1960, in line with Dallas County (17%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Seagoville is 78% single-family homes, 9% apartments in buildings with 5+ units and 10% mobile or manufactured homes.
66% of owner-occupied homes in Seagoville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 78% of occupied homes in Seagoville are owner-occupied.
In Seagoville, 73% of homes 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.
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 2 licensed insurance agencies.
Key figures
| Median home value | $230,400 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 66% |
| 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 Seagoville
- PRIME TAX & INSURANCE SERVICES LLC, Seagoville (General Lines Agency)
- UNICA INSURANCE AGENCY INC, Seagoville (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)