HomeInsuranceQts

Home Insurance in The Colony, Texas

The median home value in The Colony is $383,900, 12% lower than the Denton County median.

The typical home in The Colony was built around 2001. About 1% of homes were built before 1960, about 2 points below Denton County's 3%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.

Housing in The Colony breaks down to 73% single-family homes and 23% apartments in buildings with 5+ units.

About 72% of owner-occupied homes in The Colony have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.

The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 60% of occupied homes in The Colony are owner-occupied.

Most homes in The Colony - 69% - 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.

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.

22 licensed insurance agencies are listed for this area.

Key figures

Median home value$383,900
Median year built2001
Owner-occupied share60%
Share of owner-occupied homes with a mortgage72%
Top county hazardTornado (Very High)
Active NFIP policies in Denton County2,159
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)
Key home insurance figures for The Colony, TX

Licensed insurance agencies in The Colony

Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt

Nearby towns

Sources

Data last updated: 2026-09-29