Home Insurance in Ennis, Texas
With a median home value of $260,100, Ennis is 25% lower than the Ellis County median.
The typical home in Ennis was built around 1990. About 15% of homes were built before 1960, about 7 points above Ellis County's 8%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Ennis, the housing stock is 77% single-family homes, 9% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
58% of owner-occupied homes in Ennis carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 63% of occupied homes in Ennis are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
68% of homes in Ennis are primarily heated with electricity.
FEMA rates Ellis County's overall risk as Relatively Moderate, led by hail (Relatively High). Ellis County had 515 active NFIP flood policies as of September 2026. See the full Ellis 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 9 licensed insurance agencies.
Key figures
| Median home value | $260,100 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Ellis County | 515 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Ennis
- A. ARRIAGA INSURANCE AGENCY, LLC, Ennis (General Lines Agency)
- AVENO INSURANCE SERVICES, LLC, Ennis (General Lines Agency)
- BRISA RODRIGUEZ AGENCY, LLC, Ennis (General Lines Agency)
- CAR-ROD AGENCY LLC, Ennis (General Lines Agency)
- DANIEL SPARKMAN INSURANCE SERVICE LLC, Ennis (General Lines Agency)
- GREGORY SELLERS, LLC, Ennis (General Lines Agency)
- LOCAL INSURANCE AND SERVICES LLC, Ennis (General Lines Agency)
- ROBERT K. GILLENTINE, LLC, Ennis (General Lines Agency)
- WESTER INSURANCE AGENCY LLC, Ennis (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)