Home Insurance in McLendon-Chisholm, Texas
Homes in McLendon-Chisholm carry a median value of $629,400 - 51% higher than the Rockwall County median.
The typical home in McLendon-Chisholm was built around 2013. About 0% of homes were built before 1960, in line with Rockwall County (1%). Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In McLendon-Chisholm, the housing stock is 99% single-family homes and 1% mobile or manufactured homes.
78% of owner-occupied homes in McLendon-Chisholm 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 98% of occupied homes in McLendon-Chisholm are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In McLendon-Chisholm, 45% of homes are primarily heated with electricity.
FEMA rates Rockwall County's overall risk as Relatively Low, led by tornado (Relatively High). Rockwall County had 179 active NFIP flood policies as of September 2026. See the full Rockwall 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).
Key figures
| Median home value | $629,400 |
|---|---|
| Median year built | 2013 |
| Owner-occupied share | 98% |
| Share of owner-occupied homes with a mortgage | 78% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Rockwall County | 179 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
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)