Home Insurance in Roanoke, Texas
With a median home value of $466,900, Roanoke is 7% higher than the Denton County median.
The typical home in Roanoke was built around 2008. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 0% of homes were built before 1960, about 3 points below Denton County's 3%.
The housing stock in Roanoke is 47% single-family homes, 39% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
73% of owner-occupied homes in Roanoke carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 54% of occupied homes in Roanoke are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Roanoke, 66% of homes 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.
5 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $466,900 |
|---|---|
| Median year built | 2008 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 73% |
| 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 Roanoke
- GRAYMARK INSURANCE SOLUTIONS, LLC, Roanoke (General Lines Agency)
- JORYCREED LLC, Roanoke (General Lines Agency)
- NEILL INSURANCE BROKERS, LLC, Roanoke (General Lines Agency)
- TRUE NORTH INSURANCE AGENCY LLC, Roanoke (General Lines Agency)
- WILL ROGERS INSURANCE AGENCY LLC, Roanoke (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)