Home Insurance in Joshua, Texas
With a median home value of $338,100, Joshua is 18% higher than the Johnson County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Joshua was built around 1997. About 3% of homes were built before 1960, about 4 points below Johnson County's 7%.
In Joshua, the housing stock is 70% single-family homes, 18% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 73% of owner-occupied homes in Joshua have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Joshua has an owner-occupancy rate of 63% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
Most homes in Joshua - 82% - are primarily heated with electricity.
Johnson County had 566 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively High). See the full Johnson 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 | $338,100 |
|---|---|
| Median year built | 1997 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 73% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Johnson County | 566 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Joshua
- A WARMATH INSURANCE GROUP LLC, Joshua (General Lines Agency)
- HENSLEE INSURANCE AGENCY INC, Joshua (General Lines Agency)
- METROPLEX INSURANCE & FINANCIAL GROUP, LLC, Joshua (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)