Home Insurance in Little Elm, Texas
With a median home value of $420,700, Little Elm is close to the Denton County median.
The typical home in Little Elm was built around 2011. About 1% of homes were built before 1960, about 2 points below Denton County's 3%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Little Elm is 76% single-family homes, 18% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 81% of owner-occupied homes in Little Elm have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 70% of occupied homes in Little Elm are owner-occupied.
56% of homes in Little Elm 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.
15 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $420,700 |
|---|---|
| Median year built | 2011 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 81% |
| 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 Little Elm
- AUTOMATION ASSURANCE INSURANCE AGENCY LLC, Little Elm (General Lines Agency)
- ENGAP ACQUISITIONS, LLC, Little Elm (General Lines Agency)
- FREEMAN AGENCY LLC, Little Elm (General Lines Agency)
- HAMBRICK INSURANCE SERVICES LLC, Little Elm (General Lines Agency)
- MAGDALENA INSURANCE SERVICES, LLC, Little Elm (General Lines Agency)
- ONYX MANAGEMENT GROUP, LLP, Little Elm (General Lines Agency)
- OWNERS INSURANCE AGENCY LLC, Little Elm (General Lines Agency)
- PALERM INSURANCE AGENCY LLC, Little Elm (General Lines Agency)
- PRISM INSURANCE PARTNERS, LLC, Little Elm (General Lines Agency)
- ROBINSON INSURANCE AND FINANCIAL SERVICES LLC, Little Elm (General Lines Agency)
- ROGER WELCH AGENCY, LLC, Little Elm (General Lines Agency)
- RYAN DUNN INSURANCE AGENCY INC., Little Elm (General Lines Agency)
- SYKES AGENCY LLC, Little Elm (General Lines Agency)
- THE INSURANCE SUITE, LLC, Little Elm (General Lines Agency)
- VERITY INSURANCE GROUP, LLC, Little Elm (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)