Home Insurance in Lake Dallas, Texas
The median home value in Lake Dallas is $269,000, 38% lower than the Denton County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Lake Dallas was built around 1998. About 2% of homes were built before 1960, in line with Denton County (3%).
Housing in Lake Dallas breaks down to 71% single-family homes, 26% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Lake Dallas, about 68% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Lake Dallas has an owner-occupancy rate of 69% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
Most homes in Lake Dallas - 57% - 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.
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 | $269,000 |
|---|---|
| Median year built | 1998 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 68% |
| 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 Lake Dallas
- MARIN AGENCY LLC, Lake Dallas (General Lines Agency)
- ORBIT INSURANCE SERVICES LLC, Lake Dallas (General Lines Agency)
- RACHEL WALTER AGENCY INC, Lake Dallas (General Lines Agency)
- TOP GUN INSURANCE GROUP, INC., Lake Dallas (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
Nearby towns
- Hickory Creek
- Shady Shores
- Lakewood Village
- Corinth
- Highland Village
- Oak Point
- Copper Canyon
- Lewisville
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)