HomeInsuranceQts

Home Insurance in Denton County, Texas

The median home value in Denton County is $437,200, 54% higher than the Texas median.

The typical home in Denton County was built around 2003. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 3% of homes were built before 1960, about 10 points below Texas's 12%.

In Denton County, the housing stock is 72% single-family homes, 22% apartments in buildings with 5+ units and 2% mobile or manufactured homes.

71% of owner-occupied homes in Denton County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

Denton County has an owner-occupancy rate of 65% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.

In Denton County, 54% of homes are primarily heated with electricity.

FEMA's National Risk Index lists tornado (Very High), hail (Very High) and inland flooding (Relatively High) as the leading hazards for Denton County.

Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Denton County has 2,159 active NFIP flood policies on file.

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

293 licensed insurance agencies are listed for this area.

Key figures

Median home value$437,200
Median year built2003
Owner-occupied share65%
Share of owner-occupied homes with a mortgage71%
Top hazards (FEMA National Risk Index)Tornado (Very High), Hail (Very High), Inland Flooding (Relatively High)
Active NFIP flood policies (county)2,159
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)

Towns and cities

Licensed insurance agencies in Denton County

...and 233 more licensed agencies.

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

Sources