Home Insurance in Cross Roads, Texas
With a median home value of $632,300, Cross Roads is 45% higher than the Denton County median.
The typical home in Cross Roads was built around 2012. About 4% of homes were built before 1960, about 1 point above Denton County's 3%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Cross Roads is 93% single-family homes, 4% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
70% of owner-occupied homes in Cross Roads carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Cross Roads has an owner-occupancy rate of 86% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 47% of homes in Cross Roads are primarily heated with electricity.
Denton County had 2,159 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Very High). 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.
Key figures
| Median home value | $632,300 |
|---|---|
| Median year built | 2012 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 70% |
| Top county hazard | Tornado (Very High) |
| Active NFIP policies in Denton County | 2,159 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Nearby towns
- Providence Village
- Oak Point
- Krugerville
- Shady Shores
- Little Elm
- Lakewood Village
- Aubrey
- Lake Dallas
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)