Home Insurance in Highland Village, Texas
The median home value in Highland Village is $550,000, 26% 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 Highland Village was built around 1993. About 0% of homes were built before 1960, about 2 points below Denton County's 3%.
In Highland Village, the housing stock is 96% single-family homes and 4% apartments in buildings with 5+ units.
In Highland Village, about 69% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 92% of occupied homes in Highland Village are owner-occupied.
In Highland Village, 74% of homes 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.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
This area lists 4 licensed insurance agencies.
Key figures
| Median home value | $550,000 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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 Highland Village
- ANDY ROETHELE INSURANCE AGENCY, INC., Highland Village (General Lines Agency)
- GREAT TIMING LLC, Highland Village (General Lines Agency)
- HUDSON INSURANCE AND FINANCIAL SERVICES, INC., Highland Village (General Lines Agency)
- STEVE WHITE INSURANCE GROUP, LLC, Highland Village (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
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)
- Texas Department of Insurance - licensed agencies (2026)