Home Insurance in Ovilla, Texas
The median home value in Ovilla is $446,700, 28% higher than the Ellis County median.
The typical home in Ovilla was built around 1996. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 0% of homes were built before 1960, about 8 points below Ellis County's 8%.
In Ovilla, the housing stock is 99% single-family homes and 1% mobile or manufactured homes.
About 48% of owner-occupied homes in Ovilla have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Ovilla has an owner-occupancy rate of 95% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Most homes in Ovilla - 73% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Ovilla? 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.
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).
3 licensed insurance agencies serve this area.
Key figures
| Median home value | $446,700 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 48% |
| 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 Ovilla
- DIANE SIMMONS INSURANCE AGENCY, LLC, Ovilla (General Lines Agency)
- HUDSON VALLEY INSURANCE BROKERAGE INCORPORATED, Ovilla (General Lines Agency)
- RST GROUP LLC, Ovilla (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)