Home Insurance in Aubrey, Texas
With a median home value of $345,000, Aubrey is 21% lower than the Denton County median.
The typical home in Aubrey was built around 2013. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 3% of homes were built before 1960, in line with Denton County (3%).
Housing in Aubrey breaks down to 91% single-family homes and 7% apartments in buildings with 5+ units.
82% of owner-occupied homes in Aubrey carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 76% of occupied homes in Aubrey are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Aubrey - 67% - are primarily heated with electricity.
Denton County's top FEMA-rated hazard is tornado (Very High), per FEMA's National Risk Index. Denton County had 2,159 active NFIP flood policies as of September 2026. See the full Denton 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 9 licensed insurance agencies.
Key figures
| Median home value | $345,000 |
|---|---|
| Median year built | 2013 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 82% |
| Top county hazard | Tornado (Very High) |
| Active NFIP policies in Denton County | 2,159 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Aubrey
- BEAUJAX INC, Aubrey (General Lines Agency)
- D&G INSURANCE SERVICES LLC, Aubrey (General Lines Agency)
- DAVID CRIPE INSURANCE AGENCY INC, Aubrey (General Lines Agency)
- GARESCA INSURANCES LLC, Aubrey (General Lines Agency)
- GRAND SHIELD COVERAGE GROUP LLC, Aubrey (General Lines Agency)
- LETTYS INSURANCE AGENCY LLC, Aubrey (General Lines Agency)
- MIKE THOMPSON INSURANCE AGENCY, LLC, Aubrey (General Lines Agency)
- STEVENS & WELLES BROKERAGE GROUP LLC, Aubrey (General Lines Agency)
- WALKER FAMILY INSURANCE GROUP, LLC, Aubrey (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)