Home Insurance in Justin, Texas
Homes in Justin carry a median value of $406,800 - 7% lower than the Denton County median.
The typical home in Justin was built around 2011. About 5% of homes were built before 1960, about 3 points above Denton County's 3%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Justin, the housing stock is 93% single-family homes, 3% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
73% of owner-occupied homes in Justin carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 84% of occupied homes in Justin are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 64% of homes in Justin are primarily heated with electricity.
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.
2 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $406,800 |
|---|---|
| Median year built | 2011 |
| Owner-occupied share | 84% |
| 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 Justin
- CORNERSTONE INSURANCE SERVICES LLC, Justin (General Lines Agency)
- TIN TOP INSURANCE AGENCY LLC, Justin (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)