Home Insurance in Double Oak, Texas
With a median home value of $736,600, Double Oak is 68% higher than the Denton County median.
The typical home in Double Oak was built around 1988. About 1% of homes were built before 1960, about 2 points below Denton County's 3%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Double Oak, the housing stock is 99% single-family homes.
In Double Oak, about 64% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 98% of occupied homes in Double Oak 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 Double Oak - 61% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
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.
Key figures
| Median home value | $736,600 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 98% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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
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)