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Home Insurance in Cross Roads, TX
Side-by-side numbers for Cross Roads, Denton County and the state, covering housing, hazards and flood insurance.
$5,446/yr
About $454/mo · ~$300k-$400k dwelling class
$3,398/yr
About $283/mo after modeled shopping discount
About 37.6% below local market estimate
Cross Roads, Denton County and Texas side by side
| Measure | Cross Roads | Denton County | Texas |
|---|---|---|---|
| Median home value | $632,300 | $437,200 | $283,800 |
| Median year built | 2012 | 2003 | 1992 |
| Owner-occupied homes | 86% | 65% | 63% |
| Single-family detached | 93% | 69% | 64% |
| Built before 1980 | 14% | 12% | 33% |
| Built 2000 or later | 75% | 57% | 39% |
| Manufactured homes | 2% | 2% | 6% |
Homes in Cross Roads are newer than the county norm, with a median build year of 2012 against 2003 for Denton County. 86% of occupied homes are owner-occupied in Cross Roads, above the Denton County share of 65%.
Census data shows a median home value of $632,300 in Cross Roads. That sits above the county-wide median of $437,200. Keep in mind that Coverage A should follow rebuilding cost, not sale price, since the lot itself does not burn or blow away.
Weather risk in Denton County, rated
| 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 | – |
FEMA’s National Risk Index rates overall natural-hazard risk in Denton County as relatively high. The individual hazards that stand out are hail (very high), tornadoes (very high) and ice storms (very high).
Denton County appears in 7 presidential major disaster declarations for weather and other natural hazards from 2000 onward. Recent ones: Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024), Severe Winter Storms (2021) and Severe Storms, Tornadoes, Straight-line Winds and Flooding (2015).
What the comparison means for your policy
- There is no TWIA option in Denton County, so the homeowners carrier handles wind and hail, and its deductible for those perils can differ from the all-other-perils deductible.
- Cross Roads participates in the National Flood Insurance Program, so NFIP policies are available to residents. Its flood map now in force took effect in April 2011. Flood coverage is far from universal: 1,740 residential NFIP policies in Denton County, or about 1 per 147 homes. Since 2016, 122 NFIP flood claims have come from Denton County. Remember that flood is excluded from homeowners policies and NFIP coverage usually starts 30 days after purchase.
- According to the Census Bureau, the typical home in Cross Roads went up around 2012. Pre-1980 houses are about 14% of the stock, and post-2000 houses about 75%. Recent construction often qualifies for age-of-home discounts, but rebuild costs in new subdivisions can run higher than buyers expect.
Local offices and records
The Denton County appraisal district (www.dentoncad.com) publishes the square footage, year built and improvements insurers use to estimate rebuild cost. You can also visit the office at 3911 Morse St. Denton, TX 76208-6331. The NWS Fort Worth/Dallas, TX office handles forecasts and storm warnings for Cross Roads. The radar the weather service assigns to this point is KFWS.
Cross Roads is in Denton County. Denton County counts as an outlying county of the Dallas-Fort Worth-Arlington metro area. The nearest bigger city is Little Elm, about 5 miles from Cross Roads as the crow flies.
Questions Cross Roads homeowners ask
What natural hazards affect Cross Roads homes most?
Overall, FEMA scores Denton County as relatively high. The highest individual ratings are for hail (very high), tornadoes (very high) and ice storms (very high). Use that list to decide where higher limits or a lower deductible are worth the premium.
What does the Cross Roads savings estimate on this page mean?
On this page we model a 37.6% gap between the local market estimate and our estimate for Cross Roads. It is not a quote, and actual savings can be higher, lower or zero.
Do I need a local agent for a Cross Roads home?
No. Cross Roads is about 5 miles northwest of Little Elm, and carriers rate by address, not by where the agent sits. An independent agency can compare several carriers for your exact location by phone or online.
How much dwelling coverage do Cross Roads homes need?
Enough to rebuild, which is not the same as market value. Census data puts the Cross Roads median at $632,300, but your dwelling limit should equal what it would cost to rebuild the house at today’s labor and material prices.
Compare Cross Roads home insurance quotes
Texas Insurance Resources shops multiple carriers for you. Call 800-875-4711 or start online.
About the data
Public data current as of October 2026; Census figures are survey estimates. Price estimates near the top are Texas Insurance Resources models for comparison, not quotes or published averages.
- Comptroller 2024 regions
- Comparison figures: Denton County value, Denton County build year, Texas value
- American Community Survey 2020–2024, Cross Roads town: population, home value, tenure, median year built, structure type, year built
- Census metro delineation
- Census Gazetteer files
- Texas Windstorm Insurance Association
- National Risk Index (FEMA), Denton County
- OpenFEMA NFIP data, Denton County
- Community Status Book (NFIP)
- NWS Fort Worth/Dallas, TX
- Comptroller CAD listing, Denton County
- NOAA NCEI storm reports, Denton County
- Disaster declarations (FEMA), Denton County