HomeInsuranceQts

Home Insurance in Flower Mound, Texas

With a median home value of $560,200, Flower Mound is 28% higher than the Denton County median.

Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Flower Mound was built around 1997. About 1% of homes were built before 1960, about 2 points below Denton County's 3%.

The housing stock in Flower Mound is 87% single-family homes, 11% apartments in buildings with 5+ units and 1% mobile or manufactured homes.

70% of owner-occupied homes in Flower Mound carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 82% of occupied homes in Flower Mound are owner-occupied.

Most homes in Flower Mound - 68% - are primarily heated with natural gas.

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).

35 licensed insurance agencies are listed for this area.

Key figures

Median home value$560,200
Median year built1997
Owner-occupied share82%
Share of owner-occupied homes with a mortgage70%
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 Flower Mound, TX

Licensed insurance agencies in Flower Mound

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

Nearby towns

Sources

Data last updated: 2026-09-29