Home Insurance in Hickory Creek, Texas
With a median home value of $507,200, Hickory Creek is 16% higher than the Denton County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Hickory Creek was built around 2008. About 2% of homes were built before 1960, in line with Denton County (3%).
In Hickory Creek, the housing stock is 82% single-family homes, 4% 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.
In Hickory Creek, about 73% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 80% of occupied homes in Hickory Creek are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Hickory Creek - 60% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Hickory Creek? FEMA's National Risk Index points to tornado (Very High) in Denton County and 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).
6 licensed insurance agencies serve this area.
Key figures
| Median home value | $507,200 |
|---|---|
| Median year built | 2008 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 73% |
| Top county hazard | Tornado (Very High) |
| Active NFIP policies in Denton County | 2,159 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Hickory Creek
- AUSTIN ALLEN LLC, Hickory Creek (General Lines Agency)
- HERITAGE INSURANCE GROUP OF TEXAS, LLC, Hickory Creek (General Lines Agency)
- HIGGS FINANCIAL CONCEPTS LLC, Hickory Creek (General Lines Agency)
- MATTHEW SAND INSURANCE AND FINANCIAL SERVICES, INC., Hickory Creek (General Lines Agency)
- SCARPI INSURANCE GROUP, LLC, Hickory Creek (General Lines Agency)
- TUCKER, RICHARD AND LEE LTD, Hickory Creek (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
Nearby towns
- Lake Dallas
- Highland Village
- Corinth
- Shady Shores
- Copper Canyon
- Lakewood Village
- Oak Point
- Double Oak
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)
- Texas Department of Insurance - licensed agencies (2026)