Home / Texas Home Insurance Locations / Ennis
Home Insurance in Ennis, TX
Half of the homes in Ennis were built in 1990 or earlier. Here is how the local housing stock shapes coverage and price.
The Ennis housing stock in numbers
Owners live in 63% of occupied homes, and detached single-family houses account for about 75% of the stock.
Older, newer and in between: Ennis homes
Half of the housing in Ennis dates from 1990 or earlier, per Census estimates. Roughly 37% of the housing stock predates 1980 and 42% is from 2000 onward. For homes in this age range, carriers mostly focus on the roof: its age, material and any prior hail repairs.
$4,999/yr
About $417/mo · ~$300k-$400k dwelling class
$3,139/yr
About $262/mo after modeled shopping discount
About 37.2% below local market estimate
Market value versus rebuild cost in Ennis
The median owner-estimated home value in Ennis is $260,100. That is below the Ellis County median of $348,600. 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.
Coverage A through F for a Ennis home
Pays to rebuild the house itself. Set it from a replacement-cost estimate, not the sale price or tax value.
Fences and outbuildings. The default limit is often a percentage of Coverage A, which can be too low on larger lots.
Your belongings. A room-by-room photo inventory makes claims faster.
Extra living costs if a covered loss forces you out during repairs.
Legal defense and damages if someone is hurt on your property or you damage someone else’s.
No-fault medical payments for visitors, usually a few thousand dollars.
Hazards Ennis homes are exposed to
Ellis County lands in the relatively moderate category of FEMA’s National Risk Index. Among individual perils, the top ratings go to hail (relatively high), lightning (relatively high) and tornadoes (relatively moderate). From 2016 to 2025, 142 hail events were recorded in Ellis County in NOAA’s Storm Events Database. Stones of one inch or more showed up in 114 of the reports. The largest reported hail was 3.75 inches on June 14, 2023.
There is no TWIA option in Ellis County, so the homeowners carrier handles wind and hail, and its deductible for those perils can differ from the all-other-perils deductible. Your flood zone is a quick search away on the FEMA Flood Map Service Center.
Where to look up your Ennis home
Before you request quotes, pull your record from the Ellis appraisal district at www.elliscad.org; the Texas Comptroller’s Ellis County directory lists its contact details. The district office address is 400 Ferris Ave. Waxahachie, TX 75165-3302.
The county for Ennis is Ellis County. Ellis County forms part of the urban core of the Dallas-Fort Worth-Arlington metro. The nearest bigger city is DeSoto, about 23 miles from Ennis as the crow flies.
Ennis housing and coverage questions
Does the age of Ennis housing affect insurance?
Half the homes were built by 1990, and roughly 37% are pre-1980, according to the Census Bureau. At this age the roof is the main question, followed by the water heater and supply lines.
Does homeowners insurance in Ennis cover flooding?
Homeowners policies exclude flood, so it takes a separate NFIP or private flood policy. NFIP coverage is available because Ennis is a participating community, and its current flood map took effect in October 2023. Only about 1 in 129 Ellis County homes carries NFIP coverage. Most NFIP policies begin after a 30-day wait, so do not wait for a storm forecast.
Should I compare quotes every year in Ennis?
At least once a year at renewal. A new roof, security system or claim-free history can each change which carrier is cheapest.
Do I have to carry homeowners insurance in Ennis?
There is no state requirement. Mortgage contracts, HOA rules and some condo bylaws are what usually make coverage mandatory.
Get an Ennis home insurance quote
Texas Insurance Resources shops multiple carriers for you. Call 800-875-4711 or start online.
About the data
All public data on this page was pulled in October 2026. Census numbers are survey estimates. Price estimates near the top are Texas Insurance Resources models for comparison, not quotes or published averages.
- Census metro delineation
- Gazetteer (Census)
- Comptroller CAD listing, Ellis County
- Benchmarks: Ellis County value, Ellis County build year
- FEMA National Risk Index, Ellis County
- Storm Events Database (NOAA), Ellis County
- Comptroller economic regions
- Census Bureau ACS five-year data, Ennis city: structure type, year built, home value, median year built, tenure, population
- OpenFEMA NFIP data, Ellis County
- TWIA coverage area
- Community Status Book (NFIP)