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Home Insurance in Red Oak, TX
How Red Oak homes and hazards compare with Ellis County and Texas as a whole, and what the differences mean for your policy.
$4,719/yr
About $393/mo · ~$300k-$400k dwelling class
$2,709/yr
About $226/mo after modeled shopping discount
About 42.6% below local market estimate
Red Oak compared with Ellis County and Texas
| Measure | Red Oak | Ellis County | Texas |
|---|---|---|---|
| Median home value | $366,100 | $348,600 | $283,800 |
| Median year built | 2007 | 2002 | 1992 |
| Owner-occupied homes | 76% | 76% | 63% |
| Single-family detached | 84% | 78% | 64% |
| Built before 1980 | 13% | 22% | 33% |
| Built 2000 or later | 69% | 54% | 39% |
| Manufactured homes | 1% | 8% | 6% |
Homes in Red Oak are newer than the county norm, with a median build year of 2007 against 2002 for Ellis County. Manufactured homes are less common in Red Oak (1% of units) than across Ellis County (8%).
Median home value: $366,100, according to the latest five-year Census survey. Ellis County as a whole is in the same range, at $348,600. 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.
Weather risk in Ellis County, rated
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Relatively High | 142 hail reports |
| Tornadoes | Relatively Moderate | 9 tornadoes |
| Strong wind | Relatively Low | 39 thunderstorm wind reports |
| Inland flooding | Relatively Moderate | 26 flash floods |
| Hurricanes | Very Low | – |
| Wildfire | Relatively Low | – |
| Winter weather | Relatively Moderate | – |
| Drought | Relatively Low | – |
| Lightning | Relatively High | – |
FEMA’s National Risk Index rates overall natural-hazard risk in Ellis County as relatively moderate. Its leading hazards, by rating, are hail (relatively high), lightning (relatively high) and tornadoes (relatively moderate).
Ellis County appears in 7 presidential major disaster declarations for weather and other natural hazards from 2000 onward. The most recent include Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024), Severe Winter Storms (2021) and Severe Winter Storms, Tornadoes, Straight-line Winds, and Flooding (2016).
Coverage takeaways for Red Oak
- 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.
- The city takes part in the National Flood Insurance Program, which makes federal flood policies available. Its flood map now in force took effect in October 2023. Flood coverage is far from universal: 469 residential NFIP policies in Ellis County, or about 1 per 129 homes. Policyholders in the county have filed 66 NFIP claims since 2016. Remember that flood is excluded from homeowners policies and NFIP coverage usually starts 30 days after purchase.
- According to the Census Bureau, the typical home in Red Oak went up around 2007. Homes built before 1980 make up about 13% of the total; those built since 2000 account for 69%. Recent construction often qualifies for age-of-home discounts, but rebuild costs in new subdivisions can run higher than buyers expect.
Local offices and records
Your property record, including square footage and year built, is on the Ellis appraisal district site at www.elliscad.org (phone 972-937-3552). The district office address is 400 Ferris Ave. Waxahachie, TX 75165-3302. Severe weather warnings for Red Oak come from the NWS Fort Worth/Dallas, TX office. The radar the weather service assigns to this point is KFWS.
The county for Red Oak is Ellis County. Ellis County is a central county of the Dallas-Fort Worth-Arlington metropolitan area. Measured point to point, Red Oak sits roughly 8 miles southeast of DeSoto.
Red Oak coverage questions
Which weather risks matter for insuring a home in Red Oak?
FEMA’s National Risk Index rates overall risk in Ellis County as relatively moderate. Its standout hazards are hail (relatively high), lightning (relatively high) and tornadoes (relatively moderate). Those are the perils to ask about when you compare deductibles and endorsements.
Do I need a local agent for a Red Oak home?
No. Red Oak is about 8 miles southeast of DeSoto, and carriers rate by address, not by where the agent sits. An independent agency can compare several carriers for your exact location by phone or online.
What is a typical savings range when switching?
On this page we model a 42.6% gap between the local market estimate and our estimate for Red Oak. It is not a quote, and actual savings can be higher, lower or zero.
Is windstorm insurance through TWIA an option in Red Oak?
No. TWIA only writes in the 14 first-tier coastal counties and part of Harris County, and Ellis County is not among them. Your homeowners carrier covers wind and hail.
Request a Red Oak homeowners quote
Compare carriers with Texas Insurance Resources. Call 800-875-4711 or request a quote online.
About the data
Data reflects the most recent releases available in October 2026; survey figures carry margins of error. Price estimates near the top are Texas Insurance Resources models for comparison, not quotes or published averages.
- Texas Comptroller regions
- NFIP data (OpenFEMA), Ellis County
- National Risk Index (FEMA), Ellis County
- NWS Fort Worth/Dallas, TX
- Census ACS 2020–2024, Red Oak city: median year built, tenure, structure type, population, home value, year built
- Texas property tax directory, Ellis County
- NOAA NCEI storm reports, Ellis County
- FEMA declared disasters, Ellis County
- OMB metro and micro areas
- Census Gazetteer coordinates
- Benchmarks: Ellis County value, Ellis County build year, Texas value
- TWIA eligibility
- FEMA Community Status Book