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Home Insurance in Addison, TX
What Addison houses look like on paper, including age, type and value, and how each detail feeds into a homeowners quote.
Addison homes at a glance
Detached houses represent about 13% of the housing in Addison, where 18% of households own their home. Apartments and other buildings of five or more units account for roughly 73% of homes here, which makes renters and condo coverage common needs. Renters are the majority here, so investors should look at landlord forms and tenants at renters insurance for their belongings and liability.
Older, newer and in between: Addison homes
Census estimates put the median construction year for homes in Addison at 1998. 46% of local homes are from 2000 or later, compared with 12% built before 1980. A middle-aged housing stock means roof age matters a lot: a roof past roughly 15 to 20 years can move a policy to actual cash value roof coverage with some carriers.
$4,781/yr
About $398/mo · ~$300k-$400k dwelling class
$2,859/yr
About $238/mo after modeled shopping discount
About 40.2% below local market estimate
How much coverage a Addison home needs
Median home value: $482,000, according to the latest five-year Census survey. For comparison, Dallas County as a whole comes in at $303,000. Market value includes land and location, so it is not the same as the cost to rebuild; insure the dwelling to a replacement-cost estimate instead.
What each coverage does for Addison owners
Covers the house. Lenders require it, and it is the base that percentage deductibles are calculated from.
Anything not attached to the house, such as fences, carports and barns.
Your belongings. A room-by-room photo inventory makes claims faster.
Loss of use. After a large storm, contractor backlogs can stretch repairs, so this limit matters.
Covers lawsuits for injuries or property damage you are responsible for; many owners choose at least $300,000.
Guest medical coverage that can head off a liability claim.
Weather backdrop for Addison
FEMA’s county-level National Risk Index puts Dallas County in the very high band overall. Hazard by hazard, the strongest scores are for hail (very high), tornadoes (very high) and inland flooding (very high). NOAA’s Storm Events Database logs 196 hail reports in Dallas County from 2016 through 2025. 157 of those involved stones an inch or larger, the size that commonly damages shingles. On June 12, 2023, observers reported hail as large as 4 inches.
Dallas County is outside TWIA’s designated catastrophe area, so wind and hail are normally covered by the homeowners policy itself, often with a separate percentage deductible. The FEMA Flood Map Service Center shows the flood zone for any address.
Local resources for Addison homeowners
The Dallas County appraisal district (www.dallascad.org) publishes the square footage, year built and improvements insurers use to estimate rebuild cost. You can also visit the office at 2949 N Stemmons Fwy Dallas, TX 75247-6102.
Dallas County is home to Addison. Dallas County is a central county of the Dallas-Fort Worth-Arlington metropolitan area. Carrollton is the closest larger city, roughly 4 miles away, with Addison to its southeast.
FAQ: Addison home insurance
Why do insurers ask when my Addison home was built?
The median home was built in 1998, and about 12% predate 1980, per Census estimates. Expect carriers to ask about roof age and any past hail repairs.
Does homeowners insurance in Addison cover flooding?
Homeowners policies exclude flood, so it takes a separate NFIP or private flood policy. Addison participates in the National Flood Insurance Program, and its current flood map took effect in July 2014. Only about 1 in 128 Dallas County homes carries NFIP coverage. New NFIP policies usually take 30 days to start.
Do renters and landlords in Addison need different policies?
Yes. About 82% of occupied homes in Addison are renter-occupied, per Census estimates. Tenants need a renters policy for belongings and liability, while owners who lease a home usually need a landlord (dwelling fire) policy instead of a standard homeowners form.
Does Texas law require home insurance in Addison?
No Texas law requires it, but mortgage lenders almost always do, and they can buy costly force-placed coverage if your policy lapses.
Request an Addison homeowners quote
One call to 800-875-4711 or a short online form gets several carriers working on your quote.
Where the Addison numbers come from
Figures were retrieved in October 2026 and are estimates with margins of error. Price estimates near the top are Texas Insurance Resources models for comparison, not quotes or published averages.
- Texas Windstorm Insurance Association
- County and state comparisons: Dallas County value, Dallas County build year
- Census metro delineation
- Gazetteer (Census)
- FEMA Community Status Book
- Comptroller county directory, Dallas County
- National Risk Index (FEMA), Dallas County
- Texas Comptroller regions
- Census Bureau ACS five-year data, Addison town: structure type, tenure, home value, median year built, population, year built
- OpenFEMA flood insurance data, Dallas County
- NOAA NCEI storm reports, Dallas County