HomeInsuranceQts

Home Insurance in Southlake, Texas

The median home value in Southlake is $1,014,500, 213% higher than the Tarrant County median.

Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Southlake was built around 1997. About 1% of homes were built before 1960, about 12 points below Tarrant County's 13%.

The housing stock in Southlake is 96% single-family homes, 3% apartments in buildings with 5+ units and 1% mobile or manufactured homes.

In Southlake, about 62% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 95% of occupied homes in Southlake are owner-occupied.

Most homes in Southlake - 72% - are primarily heated with natural gas.

What's the biggest home insurance risk near Southlake? FEMA's National Risk Index points to hail (Very High) in Tarrant County and Tarrant County had 5,647 active NFIP flood policies as of September 2026. 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).

38 licensed insurance agencies are listed for this area.

Key figures

Median home value$1,014,500
Median year built1997
Owner-occupied share95%
Share of owner-occupied homes with a mortgage62%
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 Southlake, TX

Licensed insurance agencies in Southlake

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

Nearby towns

Sources

Data last updated: 2026-09-29