Home Insurance in Denison, Texas
Homes in Denison carry a median value of $180,900 - 27% lower than the Grayson County median.
The typical home in Denison was built around 1967. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 37% of homes were built before 1960, about 17 points above Grayson County's 20%.
In Denison, the housing stock is 79% single-family homes, 10% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
46% of owner-occupied homes in Denison carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 59% of occupied homes in Denison are owner-occupied.
50% of homes in Denison are primarily heated with natural gas.
FEMA rates Grayson County's overall risk as Relatively Low, led by hail (Relatively Moderate). Grayson County had 332 active NFIP flood policies as of September 2026. See the full Grayson 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).
10 licensed insurance agencies serve this area.
Key figures
| Median home value | $180,900 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Grayson County | 332 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Denison
- BURRAGE INSURANCE GROUP LLC, Denison (General Lines Agency)
- CHARLES HOLDER INSURANCE AGENCY, INC., Denison (General Lines Agency)
- DAVID A MEANS INC, Denison (General Lines Agency)
- FIND INSURANCE AGENCY PLLC, Denison (General Lines Agency)
- HEMPKINS INSURANCE AGENCY, LLC, Denison (General Lines Agency)
- HP INSURANCE SOLUTIONS LLC, Denison (General Lines Agency)
- ODEN INSURANCE AGENCY INC, Denison (General Lines Agency)
- PHILLIPS INSURANCE AGENCY INC., Denison (General Lines Agency)
- THE BRAWLEY AGENCY LLC, Denison (General Lines Agency)
- W DAVID BAYLESS INC, Denison (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)