HomeInsuranceQts

Home Insurance in Ellis County, Texas

With a median home value of $348,600, Ellis County is 23% higher than the Texas median.

Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Ellis County was built around 2002. About 8% of homes were built before 1960, about 4 points below Texas's 12%.

The housing stock in Ellis County is 80% single-family homes, 9% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.

63% of owner-occupied homes in Ellis County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

Ellis County has an owner-occupancy rate of 76% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.

Most homes in Ellis County - 75% - are primarily heated with electricity.

FEMA's National Risk Index lists hail (Relatively High), tornado (Relatively Moderate) and wildfire (Relatively Low) as the leading hazards for Ellis County.

Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Ellis County has 515 active NFIP flood policies on file.

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).

59 licensed insurance agencies serve this area.

Key figures

Median home value$348,600
Median year built2002
Owner-occupied share76%
Share of owner-occupied homes with a mortgage63%
Top hazards (FEMA National Risk Index)Hail (Relatively High), Tornado (Relatively Moderate), Wildfire (Relatively Low)
Active NFIP flood policies (county)515
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)

Towns and cities

Licensed insurance agencies in Ellis County

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

Sources