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Home Insurance in Irving, TX
What Irving houses look like on paper, including age, type and value, and how each detail feeds into a homeowners quote.
Irving homes at a glance
About 39% of homes in Irving are detached single-family houses; owners occupy 38% of the occupied units. Apartments and other buildings of five or more units account for roughly 48% 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: Irving homes
According to the Census Bureau, the typical home in Irving went up around 1986. Homes built before 1980 make up about 36% of the total; those built since 2000 account for 28%. 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.
$5,398/yr
About $450/mo · ~$300k-$400k dwelling class
$3,244/yr
About $270/mo after modeled shopping discount
About 39.9% below local market estimate
How much coverage a Irving home needs
The median owner-estimated home value in Irving is $315,600. The Dallas County median is similar, at $303,000. A home’s market value is a starting point only; the dwelling limit should reflect labor and materials to rebuild it at today’s prices.
What each coverage does for Irving 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 Irving
FEMA’s National Risk Index rates overall natural-hazard risk in Dallas County as very high. The highest-rated individual hazards are hail (very high), tornadoes (very high) and inland flooding (very high). Dallas County had 196 hail reports in NOAA’s storm records for 2016 through 2025. In 157 cases the hail was an inch across or bigger. The top report was 4-inch hail on June 12, 2023.
Wind coverage in Dallas County stays inside the homeowners policy because the county is outside TWIA’s coastal territory; compare the wind/hail deductible on every quote. Search the FEMA Flood Map Service Center by street address to find your zone.
Local resources for Irving homeowners
Square footage and build year on file with the Dallas appraisal district (www.dallascad.org) feed straight into replacement-cost estimates, so check them for errors. You can also visit the office at 2949 N Stemmons Fwy Dallas, TX 75247-6102.
Irving is in Dallas County. Dallas County forms part of the urban core of the Dallas-Fort Worth-Arlington metro. Head about 13 miles from Irving and you reach Dallas, the nearest larger city.
FAQ: Irving home insurance
Are most homes in Irving old or new?
The median home was built in 1986, and about 36% predate 1980, per Census estimates. Expect carriers to ask about roof age and any past hail repairs.
What does the Irving savings estimate on this page mean?
The estimate cards above model about 39.9% below the local market figure for Irving. Treat it as illustrative; your quote depends on the home, roof, claims history and deductible.
Is homeowners coverage mandatory for Irving homeowners?
Only your lender can require it; Texas itself does not. If the home is paid off, the choice is yours, but one serious storm or fire can cost far more than years of premiums.
How often should I shop coverage in Irving?
Review it every renewal, and again after a roof replacement, remodel or a major storm season that changes carrier pricing.
Ready to price your Irving home?
Talk to a licensed Texas Insurance Resources agent at 800-875-4711, or get a quote 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.
- Census metro delineation
- Gazetteer (Census)
- NOAA NCEI storm reports, Dallas County
- Census Bureau ACS five-year data, Irving city: home value, population, year built, structure type, median year built, tenure
- County and state comparisons: Dallas County value, Dallas County build year
- Comptroller county directory, Dallas County
- Texas Comptroller regions
- Texas Windstorm Insurance Association
- National Risk Index (FEMA), Dallas County