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Home Insurance in Argyle, TX
How Argyle homes and hazards compare with Denton County and Texas as a whole, and what the differences mean for your policy.
$5,023/yr
About $419/mo · ~$300k-$400k dwelling class
$2,843/yr
About $237/mo after modeled shopping discount
About 43.4% below local market estimate
How Argyle homes compare
| Measure | Argyle | Denton County | Texas |
|---|---|---|---|
| Median home value | $695,300 | $437,200 | $283,800 |
| Median year built | 2002 | 2003 | 1992 |
| Owner-occupied homes | 92% | 65% | 63% |
| Single-family detached | 98% | 69% | 64% |
| Built before 1980 | 14% | 12% | 33% |
| Built 2000 or later | 54% | 57% | 39% |
| Manufactured homes | less than 1% | 2% | 6% |
By median build year, Argyle (2002) and Denton County (2003) are similar. Owner-occupancy is higher than the county figure (92% versus 65%).
Owners in Argyle put the median value of their homes at $695,300. That is well above the Denton County median of $437,200. 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.
Denton County hazards and storm counts
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Very High | 373 hail reports |
| Tornadoes | Very High | 10 tornadoes |
| Strong wind | Relatively High | 139 thunderstorm wind reports |
| Inland flooding | Relatively High | 34 flash floods |
| Hurricanes | Very Low | – |
| Wildfire | Relatively Moderate | – |
| Winter weather | Relatively High | – |
| Drought | Relatively Low | – |
| Lightning | Relatively Moderate | – |
Denton County lands in the relatively high category of FEMA’s National Risk Index. Hazard by hazard, the strongest scores are for hail (very high), tornadoes (very high) and ice storms (very high).
FEMA has issued 7 natural-hazard major disaster declarations covering Denton County since 2000. The most recent include Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024), Severe Winter Storms (2021) and Severe Storms, Tornadoes, Straight-line Winds and Flooding (2015).
Turning the Argyle numbers into coverage choices
- Wind coverage in Denton County stays inside the homeowners policy because the county is outside TWIA’s coastal territory; compare the wind/hail deductible on every quote.
- FEMA lists Argyle as a participating NFIP community. The effective FEMA flood map for the community is from April 2011. NFIP data counts 1,740 residential flood policies in Denton County, about 1 for every 147 homes. Policyholders in the county have filed 122 NFIP claims since 2016. Standard homeowners policies exclude flood, and a new NFIP policy generally has a 30-day waiting period.
- Line up every home in Argyle by age and the one in the middle was built in 2002. The split is roughly 14% pre-1980 construction versus 54% built from 2000 on. Many homes here are recent builds, so the main variables are roof material, deductible choice and making sure the dwelling limit tracks today’s construction costs.
Where to verify Argyle details
Your property record, including square footage and year built, is on the Denton appraisal district site at www.dentoncad.com (phone 940-349-3800). The district office address is 3911 Morse St. Denton, TX 76208-6331. Argyle is covered by the NWS Fort Worth/Dallas, TX forecast office, which issues local watches and warnings. The associated NEXRAD radar is KFWS.
The county for Argyle is Denton County. The Dallas-Fort Worth-Arlington metro reaches out to include Denton County. Flower Mound is the closest larger city, roughly 6 miles away, with Argyle to its northwest.
Argyle coverage questions
How risky is Denton County for natural hazards?
Denton County is rated relatively high overall in FEMA’s National Risk Index. Its standout hazards are hail (very high), tornadoes (very high) and ice storms (very high). Those are the perils to ask about when you compare deductibles and endorsements.
How much could I save by shopping my Argyle policy?
The estimate cards above model about 43.4% below the local market figure for Argyle. Treat it as illustrative; your quote depends on the home, roof, claims history and deductible.
Is the median home value in Argyle the right dwelling limit?
Usually not. The median owner-estimated value in Argyle is $695,300, yet that number includes land and location. Carriers estimate replacement cost from size, construction and finishes, and that is what the dwelling limit should follow.
Does TWIA cover homes in Argyle?
No, Denton County is not in TWIA territory. Look instead at the wind and hail deductible on your homeowners quotes, since that is where storm costs land.
Get an Argyle home insurance quote
Compare carriers with Texas Insurance Resources. Call 800-875-4711 or request a quote online.
Sources and methodology
All public data on this page was pulled in October 2026. Census numbers are survey estimates. Premium figures in the estimate cards are illustrative models, not quotes.
- NWS Fort Worth/Dallas, TX
- Census ACS 2020–2024, Argyle city: tenure, median year built, home value, population, structure type, year built
- NFIP data (OpenFEMA), Denton County
- Texas Comptroller regions
- NOAA Storm Events Database, Denton County
- FEMA National Risk Index, Denton County
- Texas property tax directory, Denton County
- TWIA eligibility
- FEMA Community Status Book
- County and state comparisons: Denton County value, Denton County build year, Texas value
- Census CBSA delineation
- Census Gazetteer coordinates
- FEMA disaster declarations, Denton County