HomeInsuranceQts

Home Insurance in North Richland Hills, Texas

Homes in North Richland Hills carry a median value of $360,700 - 11% higher than the Tarrant County median.

Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in North Richland Hills was built around 1986. About 5% of homes were built before 1960, about 8 points below Tarrant County's 13%.

The housing stock in North Richland Hills is 71% single-family homes, 23% apartments in buildings with 5+ units and 2% mobile or manufactured homes.

In North Richland Hills, about 59% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

About 63% of occupied homes in North Richland Hills are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.

In North Richland Hills, 66% of homes are primarily heated with electricity.

Tarrant County had 5,647 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Very High). See the full Tarrant 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).

25 licensed insurance agencies are listed for this area.

Key figures

Median home value$360,700
Median year built1986
Owner-occupied share63%
Share of owner-occupied homes with a mortgage59%
Top county hazardHail (Very High)
Active NFIP policies in Tarrant County5,647
Home insurance premium$2,864 - statewide average (NAIC, 2023 data)
Key home insurance figures for North Richland Hills, TX

Licensed insurance agencies in North Richland Hills

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

Nearby towns

Sources

Data last updated: 2026-09-29