HomeInsuranceQts

Home Insurance in Tarrant County, Texas

Homes in Tarrant County carry a median value of $323,900 - 14% higher than the Texas median.

Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Tarrant County was built around 1990. About 13% of homes were built before 1960, in line with Texas (12%).

Housing in Tarrant County breaks down to 69% single-family homes, 24% apartments in buildings with 5+ units and 2% mobile or manufactured homes.

About 62% of owner-occupied homes in Tarrant County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.

The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 59% of occupied homes in Tarrant County are owner-occupied.

Most homes in Tarrant County - 67% - are primarily heated with electricity.

The top hazards for Tarrant County, per FEMA's National Risk Index, are hail (Very High), tornado (Very High) and inland flooding (Relatively High).

Tarrant County had 5,647 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.

In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).

656 licensed insurance agencies are listed for this area.

Key figures

Median home value$323,900
Median year built1990
Owner-occupied share59%
Share of owner-occupied homes with a mortgage62%
Top hazards (FEMA National Risk Index)Hail (Very High), Tornado (Very High), Inland Flooding (Relatively High)
Active NFIP flood policies (county)5,647
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)

Towns and cities

Smaller communities

Licensed insurance agencies in Tarrant County

...and 596 more licensed agencies.

Data source: Texas Department of Insurance - licensed agencies, https://data.texas.gov/d/3yqc-fcdt

Sources