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Home Insurance in Denton, TX
See where Denton stands against county and statewide figures before you compare home insurance quotes.
$4,787/yr
About $399/mo · ~$300k-$400k dwelling class
$2,686/yr
About $224/mo after modeled shopping discount
About 43.9% below local market estimate
Denton compared with Denton County and Texas
| Measure | Denton | Denton County | Texas |
|---|---|---|---|
| Median home value | $348,200 | $437,200 | $283,800 |
| Median year built | 1997 | 2003 | 1992 |
| Owner-occupied homes | 50% | 65% | 63% |
| Single-family detached | 56% | 69% | 64% |
| Built before 1980 | 27% | 12% | 33% |
| Built 2000 or later | 47% | 57% | 39% |
| Manufactured homes | 4% | 2% | 6% |
The housing stock in Denton is older than Denton County’s overall, by median build year (1997 versus 2003). Owner-occupancy is lower than the county figure (50% versus 65%).
Median home value: $348,200, according to the latest five-year Census survey. That is below the Denton County median of $437,200. Sale prices and rebuild costs can diverge in either direction, which is why carriers run their own replacement-cost estimate for the dwelling limit.
Hazard ratings for Denton County
| 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 | – |
In FEMA’s National Risk Index, Denton County carries an overall rating of relatively high. Its leading hazards, by rating, are hail (very high), tornadoes (very high) and ice storms (very high).
Counting from 2000, 7 major disaster declarations for natural hazards have included Denton County. The latest declarations were Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024), Severe Winter Storms (2021) and Severe Storms, Tornadoes, Straight-line Winds and Flooding (2015).
Coverage takeaways for Denton
- Denton 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 city takes part in the National Flood Insurance Program, which makes federal flood policies available. Its current effective flood map dates to June 2020. It also holds Community Rating System Class 5, which trims NFIP premiums for high-risk-zone policies by 25%. In Denton County, roughly 1 home in 147 has federal flood coverage (1,740 residential policies in force). Denton County has produced 122 NFIP claims from 2016 on. A homeowners policy will not pay for rising water; flood is a separate policy, and NFIP coverage typically takes 30 days to begin.
- The median home in Denton was built in 1997. 47% of local homes are from 2000 or later, compared with 27% built before 1980. Original water heaters and supply lines in homes of this age are a frequent source of water claims, so replacing them can make a home easier to insure.
Contacts for Denton homeowners
Before you request quotes, pull your record from the Denton appraisal district at www.dentoncad.com; the Texas Comptroller’s Denton County directory lists its contact details. Its office is at 3911 Morse St. Denton, TX 76208-6331. For local warnings, the responsible National Weather Service office is NWS Fort Worth/Dallas, TX. Its assigned radar site for Denton is KFWS.
Denton sits within Denton County. The federal delineation treats Denton County as part of the wider Dallas-Fort Worth-Arlington metro, on its outer ring. Measured point to point, Denton sits roughly 26 miles northwest of Plano.
FAQ: Denton home insurance
Which weather risks matter for insuring a home in Denton?
FEMA’s National Risk Index rates overall risk in Denton County as relatively high. The top-rated hazards are hail (very high), tornadoes (very high) and ice storms (very high). Flood is the one that needs its own policy; the others are generally covered perils with deductibles.
Should I insure my Denton home for its market value?
Not necessarily. The Census median home value in Denton is $348,200, but Coverage A should match the cost to rebuild, which excludes land and can be higher or lower than market value. Ask for a replacement-cost estimate based on square footage and finishes.
What coverage do landlords and tenants need in Denton?
Renters occupy about 50% of homes in Denton. Landlords generally need a DP-1, DP-2 or DP-3 dwelling policy, and tenants need renters insurance, because the landlord’s policy does not cover a tenant’s belongings.
Can I get TWIA windstorm coverage in Denton?
No. TWIA only writes in the 14 first-tier coastal counties and part of Harris County, and Denton County is not among them. Your homeowners carrier covers wind and hail.
Ready to price your Denton home?
Talk to a licensed Texas Insurance Resources agent at 800-875-4711, or get a quote online.
Sources for this Denton page
Figures were retrieved in October 2026 and are estimates with margins of error. The two price cards are modeled estimates from Texas Insurance Resources, not quotes.
- Comptroller economic regions
- TWIA coverage area
- NWS Fort Worth/Dallas, TX
- Benchmarks: Denton County value, Denton County build year, Texas value
- OMB metro and micro areas
- Gazetteer (Census)
- OpenFEMA flood insurance data, Denton County
- Storm Events Database (NOAA), Denton County
- FEMA NRI county ratings, Denton County
- FEMA declared disasters, Denton County
- Census Bureau ACS five-year data, Denton city: tenure, median year built, home value, year built, structure type, population
- NFIP Community Status Book
- Comptroller county directory, Denton County