Home Insurance in Pilot Point, Texas
Homes in Pilot Point carry a median value of $292,500 - 33% lower than the Denton County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Pilot Point was built around 1997. About 12% of homes were built before 1960, about 10 points above Denton County's 3%.
The housing stock in Pilot Point is 89% single-family homes, 4% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 64% of owner-occupied homes in Pilot Point have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 75% of occupied homes in Pilot Point are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
52% of homes in Pilot Point are primarily heated with electricity.
What's the biggest home insurance risk near Pilot 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.
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).
This area lists 6 licensed insurance agencies.
Key figures
| Median home value | $292,500 |
|---|---|
| Median year built | 1997 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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 Pilot Point
- ASSET EQUINE INSURANCE AGENCY INC, Pilot Point (General Lines Agency)
- HORSE INSURANCE SPECIALISTS, INC., Pilot Point (General Lines Agency)
- NOLAN JOHNSRUD INSURANCE AGENCY, LLC, Pilot Point (General Lines Agency)
- RED RIVER INSURANCE GROUP, LLC, Pilot Point (General Lines Agency)
- ROSE INSURANCE GROUP, LLC, Pilot Point (General Lines Agency)
- SELZ & HENZLER INSURANCE AGENCY, INC., Pilot Point (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)