Home Insurance in Red Oak, Texas
The median home value in Red Oak is $366,100, 5% higher than the Ellis County median.
The typical home in Red Oak was built around 2007. About 3% of homes were built before 1960, about 6 points below Ellis County's 8%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Red Oak, the housing stock is 86% single-family homes, 12% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Red Oak, about 74% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Red Oak has an owner-occupancy rate of 76% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
In Red Oak, 77% of homes 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.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
9 licensed insurance agencies are listed for this area.
Key figures
| Median home value | $366,100 |
|---|---|
| Median year built | 2007 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 74% |
| 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 Red Oak
- ANDREA WALTON INSURANCE & FINANCIAL SERVICES, INC., Red Oak (General Lines Agency)
- CLASSY BEE INSURANCE AGENCY LLC, Red Oak (General Lines Agency)
- COLEMAN INSURANCE GROUP LLC, Red Oak (General Lines Agency)
- DANNY HUMPHREYS INSURANCE AGENCY INC, Red Oak (General Lines Agency)
- ENLOW ARMSTRONG & GUERRERO INC., Red Oak (General Lines Agency)
- MARC MAPLES, LLC, Red Oak (General Lines Agency)
- MARIXA ALVAREZ AGENCY LLC, Red Oak (General Lines Agency)
- ROBIN REDD INC., Red Oak (General Lines Agency)
- TRIPLE J INSURANCE, Red Oak (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)