HomeInsuranceQts

Home Insurance in Denton, Texas

With a median home value of $348,200, Denton is 20% lower than the Denton County median.

The typical home in Denton was built around 1997. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 8% of homes were built before 1960, about 5 points above Denton County's 3%.

In Denton, the housing stock is 59% single-family homes, 30% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.

62% of owner-occupied homes in Denton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

Denton has an owner-occupancy rate of 50% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.

In Denton, 59% of homes are primarily heated with electricity.

FEMA rates Denton County's overall risk as Relatively High, led by tornado (Very High). 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.

39 licensed insurance agencies serve this area.

Key figures

Median home value$348,200
Median year built1997
Owner-occupied share50%
Share of owner-occupied homes with a mortgage62%
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 Denton, TX

Licensed insurance agencies in Denton

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

Nearby towns

Sources

Data last updated: 2026-09-29