Home Insurance in Van Alstyne, Texas
Homes in Van Alstyne carry a median value of $342,700 - 38% higher than the Grayson County median.
The typical home in Van Alstyne was built around 2005. About 19% of homes were built before 1960, about 1 point below Grayson County's 20%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Van Alstyne breaks down to 82% single-family homes, 13% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 68% of owner-occupied homes in Van Alstyne have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 75% of occupied homes in Van Alstyne are owner-occupied.
Most homes in Van Alstyne - 51% - are primarily heated with natural gas.
Grayson County's top FEMA-rated hazard is hail (Relatively Moderate), per FEMA's National Risk Index. 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.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
5 licensed insurance agencies serve this area.
Key figures
| Median home value | $342,700 |
|---|---|
| Median year built | 2005 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 68% |
| 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 Van Alstyne
- BETH COLEMAN AGENCY LLC, Van Alstyne (General Lines Agency)
- COLBY BELL INSURANCE AGENCY INC., Van Alstyne (General Lines Agency)
- DAVID RODRIGUEZ INSURANCE AND FINANCIAL SERVICES, INC, Van Alstyne (General Lines Agency)
- MY FAMILY AGENCY LLC, Van Alstyne (General Lines Agency)
- ZEKE INSURANCE AGENCY LLC, Van Alstyne (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)