Home Insurance in Oak Leaf, Texas
The median home value in Oak Leaf is $411,300, 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 Oak Leaf was built around 1986. About 0% of homes were built before 1960, about 8 points below Ellis County's 8%.
In Oak Leaf, the housing stock is 99% single-family homes and 1% mobile or manufactured homes.
In Oak Leaf, about 54% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 97% of occupied homes in Oak Leaf are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Oak Leaf - 78% - 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).
Key figures
| Median home value | $411,300 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Ellis County | 515 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
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)