Home Insurance in Krugerville, Texas
The median home value in Krugerville is $426,000, close to the Denton County median.
The typical home in Krugerville was built around 2000. About 0% of homes were built before 1960, about 3 points below Denton County's 3%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Krugerville, the housing stock is 100% single-family homes.
In Krugerville, about 67% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 97% of occupied homes in Krugerville are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Krugerville, 77% of homes are primarily heated with electricity.
FEMA rates Denton County's overall risk as Relatively High, led by tornado (Very High). 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 | $426,000 |
|---|---|
| Median year built | 2000 |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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)