Home Insurance in Trophy Club, Texas
Homes in Trophy Club carry a median value of $675,100 - 54% higher 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 Trophy Club was built around 2002. About 2% of homes were built before 1960, in line with Denton County (3%).
The housing stock in Trophy Club is 94% single-family homes and 4% apartments in buildings with 5+ units.
71% of owner-occupied homes in Trophy Club carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 88% of occupied homes in Trophy Club are owner-occupied.
In Trophy Club, 57% of homes are primarily heated with natural gas.
Denton County's top FEMA-rated hazard is tornado (Very High), per FEMA's National Risk Index. 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).
6 licensed insurance agencies serve this area.
Key figures
| Median home value | $675,100 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 71% |
| 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 Trophy Club
- ARCH & VESSEL INC, Trophy Club (General Lines Agency)
- BRB LLC, Trophy Club (General Lines Agency)
- CHASIDY MURPHY INSURANCE AGENCY, INC., Trophy Club (General Lines Agency)
- COVERWISE INSURANCE AGENCY LLC, Trophy Club (General Lines Agency)
- NEXT LEVEL TEXAS INDEPENDENT, LLC, Trophy Club (General Lines Agency)
- TAYLOR REED INSURANCE AGENCY, LLC, Trophy Club (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)