Home Insurance in Oak Point, Texas
Homes in Oak Point carry a median value of $395,900 - 9% 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 Oak Point was built around 2008. About 0% of homes were built before 1960, about 3 points below Denton County's 3%.
Housing in Oak Point breaks down to 98% single-family homes and 2% apartments in buildings with 5+ units.
In Oak Point, about 76% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Oak Point has an owner-occupancy rate of 89% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Oak Point, 73% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Oak Point? FEMA's National Risk Index points to tornado (Very High) in Denton County and 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).
3 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $395,900 |
|---|---|
| Median year built | 2008 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 76% |
| 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 Oak Point
- ASSURED ALLEGIANCE, LLC, Oak Point (General Lines Agency)
- LOGAN HARVEY AGENCY LLC, Oak Point (General Lines Agency)
- THE HUNGERFORD GROUP, LLC, Oak Point (General Lines Agency)
Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt
Nearby towns
- Lakewood Village
- Shady Shores
- Cross Roads
- Lake Dallas
- Little Elm
- Hackberry
- Hickory Creek
- Providence Village
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)