Home Insurance in Midlothian, Texas
The median home value in Midlothian is $411,800, 18% higher than the Ellis County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Midlothian was built around 2007. About 3% of homes were built before 1960, about 5 points below Ellis County's 8%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Midlothian is 87% single-family homes, 8% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
73% of owner-occupied homes in Midlothian carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 80% of occupied homes in Midlothian are owner-occupied.
In Midlothian, 81% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Midlothian? FEMA's National Risk Index points to hail (Relatively High) in Ellis County and 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.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
18 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $411,800 |
|---|---|
| Median year built | 2007 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 73% |
| 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 Midlothian
- AJP INSURANCE AGENCY LLC, Midlothian (General Lines Agency)
- AMY TOUNGET INSURANCE AGENCY, Midlothian (Pers Lines Prop and Cas Agency)
- AMY TOUNGET INSURANCE AGENCY, LLC, Midlothian (General Lines Agency)
- AVARI INSURANCE SOLUTIONS, LLC, Midlothian (General Lines Agency)
- CASEY MCCABE INSURANCE SERVICES LLC, Midlothian (General Lines Agency)
- DOOLEY INSURANCE AGENCY, LLC, Midlothian (General Lines Agency)
- GROUNDS INSURANCE AGENCY, LLC, Midlothian (General Lines Agency)
- HARRELL INSURANCE LLC, Midlothian (General Lines Agency)
- J & R POSEY, INC., Midlothian (General Lines Agency)
- JEFFREY HONEYCUTT INSURANCE AGENCY INC, Midlothian (General Lines Agency)
- JOSHUA ZAPLETAL, LLC, Midlothian (General Lines Agency)
- ROYAL BLUE HOLDINGS LLC, Midlothian (General Lines Agency)
- TEXAS ALL 4 YOU INSURANCE AGENCY LLC, Midlothian (General Lines Agency)
- THE FORD AGENCY, LLC, Midlothian (General Lines Agency)
- THE INSURANCE SHACK LLC, Midlothian (General Lines Agency)
- THE SLYE AGENCY LLC, Midlothian (General Lines Agency)
- TIMMONS AGENCY, INC., Midlothian (General Lines Agency)
- TRUCKING INSURANCE GROUP, LLC, Midlothian (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)