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Home Insurance in Midlothian, TX
From build years to owner-occupancy, the makeup of Midlothian’s housing explains much of what insurers ask. This guide starts with the homes themselves.
Midlothian homes at a glance
Detached houses represent about 85% of the housing in Midlothian, where 80% of households own their home.
How age and construction affect a Midlothian quote
Census estimates put the median construction year for homes in Midlothian at 2007. Homes built before 1980 make up about 11% of the total; those built since 2000 account for 71%. Newer construction tends to earn better pricing because roofs, wiring and plumbing are recent, and some carriers add a new-home credit for the first years.
$5,169/yr
About $431/mo · ~$300k-$400k dwelling class
$3,081/yr
About $257/mo after modeled shopping discount
About 40.4% below local market estimate
How much coverage a Midlothian home needs
Owners in Midlothian put the median value of their homes at $411,800. That is well above the Ellis County median of $348,600. Keep in mind that Coverage A should follow rebuilding cost, not sale price, since the lot itself does not burn or blow away.
The six parts of a Midlothian homeowners policy
The structure limit. It should equal what it would cost to rebuild at current labor and material prices.
Anything not attached to the house, such as fences, carports and barns.
Contents coverage, with special lower limits for jewelry, firearms and collectibles unless scheduled.
Hotel, meals and other added costs while the home is uninhabitable after a covered claim.
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.
Storm and flood context for Midlothian
FEMA’s National Risk Index rates overall natural-hazard risk in Ellis County as relatively moderate. Hazard by hazard, the strongest scores are for hail (relatively high), lightning (relatively high) and tornadoes (relatively moderate). Over the ten years from 2016 to 2025, NOAA recorded 142 hail events across Ellis County. In 114 cases the hail was an inch across or bigger. The biggest stones, 3.75 inches across, fell on June 14, 2023.
Ellis 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. Search the FEMA Flood Map Service Center by street address to find your zone.
Records to check before you quote
Insurers often check the appraisal district record, so confirm that what the Ellis district shows at www.elliscad.org matches your home. You can also visit the office at 400 Ferris Ave. Waxahachie, TX 75165-3302.
Midlothian is in Ellis County. Federal statistical definitions place Ellis County at the core of the Dallas-Fort Worth-Arlington metro area. Measured point to point, Midlothian sits roughly 10 miles southeast of Mansfield.
Common questions from Midlothian homeowners
Are most homes in Midlothian old or new?
The median home was built in 2007, and about 11% predate 1980, per Census estimates. Newer homes often qualify for age-of-home credits and are easier to place with more carriers.
How much could I save by shopping my Midlothian policy?
The estimate cards above model about 40.4% below the local market figure for Midlothian. Treat it as illustrative; your quote depends on the home, roof, claims history and deductible.
What home details should I have ready for a Midlothian quote?
Start at www.elliscad.org, the Ellis appraisal district site, for size, year built and improvement records. Add your roof replacement date and any updates to complete the picture.
Is flood insurance available in Midlothian?
Flood is not part of a homeowners policy; it is bought separately through the NFIP or a private insurer. Midlothian is an NFIP community, and its current flood map took effect in October 2023. In Ellis County, about 1 in 129 homes has an NFIP policy. Buy early, because NFIP coverage generally starts 30 days after purchase.
Compare Midlothian home insurance quotes
Talk to a licensed Texas Insurance Resources agent at 800-875-4711, or get a quote online.
Sources for this Midlothian page
Public data current as of October 2026; Census figures are survey estimates. The two price cards are modeled estimates from Texas Insurance Resources, not quotes.
- Comptroller county directory, Ellis County
- Census ACS 2020–2024, Midlothian city: structure type, tenure, median year built, home value, year built, population
- OMB metro and micro areas
- Census Gazetteer coordinates
- National Risk Index (FEMA), Ellis County
- Texas Comptroller regions
- OpenFEMA flood insurance data, Ellis County
- NOAA Storm Events Database, Ellis County
- TWIA eligibility
- County and state comparisons: Ellis County value, Ellis County build year
- NFIP Community Status Book