Home Insurance in Northlake, Texas
The median home value in Northlake is $565,600, 29% higher than the Denton County median.
The typical home in Northlake was built around 2015. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 2% of homes were built before 1960, in line with Denton County (3%).
The housing stock in Northlake is 63% single-family homes and 33% apartments in buildings with 5+ units.
90% of owner-occupied homes in Northlake carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 62% of occupied homes in Northlake are owner-occupied.
In Northlake, 59% of homes are primarily heated with electricity.
Denton County had 2,159 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Very High). See the full Denton County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Texas is $2,864 per year, according to the NAIC homeowners insurance report (2023 data).
7 licensed insurance agencies serve this area.
Key figures
| Median home value | $565,600 |
|---|---|
| Median year built | 2015 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 90% |
| 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 Northlake
- ARGEL FLORES INSURANCE AGENCY INC., Northlake (General Lines Agency)
- CLEAVER INSURANCE AGENCY LLC, Northlake (General Lines Agency)
- COSMIC AGENCY, LLC, Northlake (General Lines Agency)
- INTEGRATED INSURANCE GROUP OF TEXAS LLC, Northlake (General Lines Agency)
- KAY BRASWELL INSURANCE AGENCY, LLC, Northlake (General Lines Agency)
- MADELINE KLEM AGENCY, PLLC, Northlake (General Lines Agency)
- SINGH INSURANCE GROUP LLC, Northlake (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)