Home / Texas Home Insurance Locations / Pilot Point
Home Insurance in Pilot Point, TX
See where Pilot Point stands against county and statewide figures before you compare home insurance quotes.
$5,151/yr
About $429/mo · ~$300k-$400k dwelling class
$3,276/yr
About $273/mo after modeled shopping discount
About 36.4% below local market estimate
Pilot Point compared with Denton County and Texas
| Measure | Pilot Point | Denton County | Texas |
|---|---|---|---|
| Median home value | $292,500 | $437,200 | $283,800 |
| Median year built | – | 2003 | 1992 |
| Owner-occupied homes | 75% | 65% | 63% |
| Single-family detached | 86% | 69% | 64% |
| Built before 1980 | 26% | 12% | 33% |
| Built 2000 or later | 48% | 57% | 39% |
| Manufactured homes | 2% | 2% | 6% |
75% of occupied homes are owner-occupied in Pilot Point, above the Denton County share of 65%.
The median owner-estimated home value in Pilot Point is $292,500. Across Denton County the median is $437,200. Land value is part of a sale price but not of a rebuild, so the right Coverage A figure can be well above or below market value.
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 | – |
Taking all natural hazards together, FEMA rates Denton County relatively high. Hazard by hazard, the strongest scores are for hail (very high), tornadoes (very high) and ice storms (very high).
FEMA has issued 7 natural-hazard major disaster declarations covering Denton County since 2000. Recent ones: 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 Pilot Point
- Wind coverage in Denton County stays inside the homeowners policy because the county is outside TWIA’s coastal territory; compare the wind/hail deductible on every quote.
- FEMA lists Pilot Point as a participating NFIP community. Its flood map now in force took effect in April 2011. NFIP data counts 1,740 residential flood policies in Denton County, about 1 for every 147 homes. Since 2016, 122 NFIP flood claims have come from Denton County. Standard homeowners policies exclude flood, and a new NFIP policy generally has a 30-day waiting period.
- Homes built before 1980 make up about 26% of the total; those built since 2000 account for 48%. A middle-aged housing stock means roof age matters a lot: a roof past roughly 15 to 20 years can move a policy to actual cash value roof coverage with some carriers.
Contacts for Pilot Point homeowners
Your property record, including square footage and year built, is on the Denton appraisal district site at www.dentoncad.com (phone 940-349-3800). Its office is at 3911 Morse St. Denton, TX 76208-6331. Pilot Point is covered by the NWS Fort Worth/Dallas, TX forecast office, which issues local watches and warnings. The radar the weather service assigns to this point is KFWS.
While a slice of Pilot Point is in Cooke County and Grayson County, the bulk of it belongs to Denton County. The Dallas-Fort Worth-Arlington metro reaches out to include Denton County. By straight-line distance, Pilot Point is about 16 miles northeast of Denton.
FAQ: Pilot Point home insurance
What natural hazards affect Pilot Point homes most?
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.
Do I have to carry homeowners insurance in Pilot Point?
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.
Is windstorm insurance through TWIA an option in Pilot Point?
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.
What is a typical savings range when switching?
Our illustrative TX Insurance Resources estimate for Pilot Point reflects a modeled 36.4% improvement versus the local market anchor. It is an estimate for comparison only; real results vary by home, coverage and carrier.
Compare Pilot Point home insurance quotes
Texas Insurance Resources shops multiple carriers for you. Call 800-875-4711 or start online.
Sources and methodology
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.
- NWS Fort Worth/Dallas, TX
- Comptroller county directory, Denton County
- FEMA declared disasters, Denton County
- FEMA NRI county ratings, Denton County
- Benchmarks: Denton County value, Denton County build year, Texas value
- Storm Events Database (NOAA), Denton County
- NFIP Community Status Book
- TWIA coverage area
- Comptroller economic regions
- OpenFEMA flood insurance data, Denton County
- Census Bureau ACS five-year data, Pilot Point city: median year built, tenure, year built, structure type, home value, population
- OMB metro and micro areas
- Gazetteer (Census)