Home Insurance in Westlake, Texas
Homes in Westlake carry a median value of $2,000,000+.
The typical home in Westlake was built around 2010. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 0% of homes were built before 1960, about 13 points below Tarrant County's 13%.
The housing stock in Westlake is 100% single-family homes.
In Westlake, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 96% of occupied homes in Westlake are owner-occupied.
69% of homes in Westlake are primarily heated with natural gas.
Tarrant County's top FEMA-rated hazard is hail (Very High), per FEMA's National Risk Index. 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.
In Texas, the statewide average premium for a standard HO-3 homeowners policy is $2,864 per year (NAIC, 2023 data).
This area lists 12 licensed insurance agencies.
Key figures
| Median home value | $2,000,000+ |
|---|---|
| Median year built | 2010 |
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top county hazard | Hail (Very High) |
| Active NFIP policies in Tarrant County | 5,647 |
| Home insurance premium | $2,864 - statewide average (NAIC, 2023 data) |
Licensed insurance agencies in Westlake
- APEX INSURANCE ADVISORS, LLC, Westlake (General Lines Agency)
- BLACKWATER INSURANCE GROUP, LLC, Westlake (General Lines Agency)
- FIDELITY HEALTH INSURANCE SERVICES, LLC, Westlake (General Lines Agency)
- FUTURISTIC UNDERWRITERS LLC, Westlake (General Lines Agency)
- GOOSEHEAD INSURANCE AGENCY, LLC, Westlake (General Lines Agency)
- NTA UNDERWRITERS, LLC, Westlake (General Lines Agency)
- PRINCIPLED CLAIMS, INC., Westlake (General Lines Agency)
- TEXAS WASATCH INSURANCE SERVICES, L P, Westlake (General Lines Agency)
- THE GARRISON LEGACY GROUP LIMITED COMPANY, Westlake (General Lines Agency)
- THE RAMSEY INSURANCE AGENCY, LLC, Westlake (General Lines Agency)
- WHITEHURST INSURANCE AND FINANCIAL SERVICES LIMITED LIABILITY COMPANY, Westlake (General Lines Agency)
- WHOLLYTICS SPECIALTY INSURANCE SERVICES, INC., Westlake (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)