Home Insurance in Waxahachie, Texas
With a median home value of $336,500, Waxahachie is close to the Ellis County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Waxahachie was built around 2004. About 15% of homes were built before 1960, about 7 points above Ellis County's 8%.
In Waxahachie, the housing stock is 74% single-family homes, 20% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 71% of owner-occupied homes in Waxahachie have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Waxahachie has an owner-occupancy rate of 60% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
In Waxahachie, 72% of homes are primarily heated with electricity.
Ellis County had 515 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively High). 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 serve this area.
Key figures
| Median home value | $336,500 |
|---|---|
| Median year built | 2004 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 71% |
| 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 Waxahachie
- ABUNDANT PROTECTION SOLUTIONS, LLC, Waxahachie (General Lines Agency)
- ARCHER INSURANCE SOLUTIONS LLC, Waxahachie (General Lines Agency)
- AUSTIN L. ARMS LLC, Waxahachie (General Lines Agency)
- AXE INSURANCE AGENCY, LLC, Waxahachie (General Lines Agency)
- BOX INSURANCE GROUP LLC, Waxahachie (General Lines Agency)
- COOPER INSURES DVC, LLC, Waxahachie (General Lines Agency)
- COOPER INSURES LLC, Waxahachie (General Lines Agency)
- DANIEL B. JONES INSURANCE AGENCY, L.L.C., Waxahachie (General Lines Agency)
- DAVISOKOLL, LLC, Waxahachie (General Lines Agency)
- E.M.A INSURANCE AGENCY LLC, Waxahachie (General Lines Agency)
- HOME BUILDER INSURANCE SERVICES L.P., Waxahachie (General Lines Agency)
- JM REED INSURANCE AGENCY LLC, Waxahachie (General Lines Agency)
- KIP FEDORA INSURANCE AND FINANCIAL SERVICES INC, Waxahachie (General Lines Agency)
- PAC INSURANCE AGENCY, LLC, Waxahachie (General Lines Agency)
- PATRICIA BUMPERS PERRY INC, Waxahachie (General Lines Agency)
- REYES INSURANCE SERVICES, INC., Waxahachie (General Lines Agency)
- RSA LONE STAR INSURANCE GROUP, LLC, Waxahachie (General Lines Agency)
- WINTERS AVIATION INSURANCE AGENCY, LLC, Waxahachie (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)