HomeInsuranceQts

Home Insurance in Carrollton, Texas

With a median home value of $381,000, Carrollton is 13% lower than the Denton County median.

Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Carrollton was built around 1988. About 3% of homes were built before 1960, in line with Denton County (3%).

The housing stock in Carrollton is 64% single-family homes and 29% apartments in buildings with 5+ units.

About 63% of owner-occupied homes in Carrollton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.

The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 59% of occupied homes in Carrollton are owner-occupied.

57% of homes in Carrollton 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.

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.

This area lists 60 licensed insurance agencies.

Key figures

Median home value$381,000
Median year built1988
Owner-occupied share59%
Share of owner-occupied homes with a mortgage63%
Top county hazardTornado (Very High)
Active NFIP policies in Denton County2,159
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)
Key home insurance figures for Carrollton, TX

Licensed insurance agencies in Carrollton

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

Nearby towns

Sources

Data last updated: 2026-09-29