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Home Insurance in Melissa, TX
From build years to owner-occupancy, the makeup of Melissa’s housing explains much of what insurers ask. This guide starts with the homes themselves.
The Melissa housing stock in numbers
Single-family detached houses make up about 93% of housing units, and 89% of occupied homes are owner-occupied.
Older, newer and in between: Melissa homes
2015 is the median year built for housing units in Melissa. Pre-1980 houses are about 3% of the stock, and post-2000 houses about 91%. Builders’ finishes in newer homes, such as stone counters and custom trim, push replacement cost up, so check that Coverage A keeps pace.
$5,244/yr
About $437/mo · ~$300k-$400k dwelling class
$3,057/yr
About $255/mo after modeled shopping discount
About 41.7% below local market estimate
How much coverage a Melissa home needs
Owners in Melissa put the median value of their homes at $454,000. That is close to the Collin County median of $475,600. Sale prices and rebuild costs can diverge in either direction, which is why carriers run their own replacement-cost estimate for the dwelling limit.
The six parts of a Melissa homeowners policy
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. Rural and large-lot properties often need more than the default.
Furniture, clothing and electronics. Replacement-cost settlement pays more than actual cash value after a loss.
Loss of use. After a large storm, contractor backlogs can stretch repairs, so this limit matters.
Legal defense and damages if someone is hurt on your property or you damage someone else’s.
Guest medical coverage that can head off a liability claim.
Hazards Melissa homes are exposed to
Taking all natural hazards together, FEMA rates Collin County relatively high. Its leading hazards, by rating, are hail (very high), tornadoes (very high) and inland flooding (relatively high). Over the ten years from 2016 to 2025, NOAA recorded 310 hail events across Collin County. Stones of one inch or more showed up in 265 of the reports. On April 11, 2016, observers reported hail as large as 5.25 inches.
There is no TWIA option in Collin County, so the homeowners carrier handles wind and hail, and its deductible for those perils can differ from the all-other-perils deductible. You can check your flood zone by address at the FEMA Flood Map Service Center.
Records to check before you quote
Square footage and build year on file with the Collin appraisal district (www.collincad.org) feed straight into replacement-cost estimates, so check them for errors. The district office address is 250 Eldorado Pkwy. McKinney, TX 75069-8023.
For county-level data, Melissa falls under Collin County. Collin County forms part of the urban core of the Dallas-Fort Worth-Arlington metro. Head about 9 miles from Melissa and you reach McKinney, the nearest larger city.
FAQ: Melissa home insurance
Does the age of Melissa housing affect insurance?
Half the homes were built by 2015, and roughly 3% are pre-1980, according to the Census Bureau. Newer homes often qualify for age-of-home credits and are easier to place with more carriers.
When is the best time to compare home insurance in Melissa?
Compare quotes a few weeks before renewal, and any time you replace the roof or add a structure.
Is home insurance required in Melissa?
State law does not require it. Your lender will, though, and if coverage lapses the lender can place a policy for you that usually costs more and covers less.
How does flood coverage work for a Melissa home?
A standard homeowners policy will not pay for flood damage, so you need a stand-alone flood policy. NFIP coverage is available because Melissa is a participating community, and its current flood map took effect in June 2009. Only about 1 in 207 Collin County homes carries NFIP coverage. Buy early, because NFIP coverage generally starts 30 days after purchase.
Compare Melissa home insurance quotes
Texas Insurance Resources shops multiple carriers for you. Call 800-875-4711 or start online.
Sources for this Melissa page
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.
- NOAA NCEI storm reports, Collin County
- FEMA Community Status Book
- Texas Comptroller regions
- National Risk Index (FEMA), Collin County
- County and state comparisons: Collin County value, Collin County build year
- Census Bureau ACS five-year data, Melissa city: tenure, population, home value, median year built, year built, structure type
- Census metro delineation
- Census Gazetteer files
- TWIA eligibility
- OpenFEMA flood insurance data, Collin County
- Texas property tax directory, Collin County