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Home Insurance in Seagoville, TX
See where Seagoville stands against county and statewide figures before you compare home insurance quotes.
$5,130/yr
About $428/mo · ~$300k-$400k dwelling class
$2,919/yr
About $243/mo after modeled shopping discount
About 43.1% below local market estimate
Seagoville compared with Dallas County and Texas
| Measure | Seagoville | Dallas County | Texas |
|---|---|---|---|
| Median home value | $230,400 | $303,000 | $283,800 |
| Median year built | – | 1983 | 1992 |
| Owner-occupied homes | 78% | 51% | 63% |
| Single-family detached | 77% | 52% | 64% |
| Built before 1980 | 36% | 45% | 33% |
| Built 2000 or later | 45% | 27% | 39% |
| Manufactured homes | 10% | 2% | 6% |
Owner-occupancy is higher than the county figure (78% versus 51%). Manufactured homes are more common in Seagoville (10% of units) than across Dallas County (2%).
Median home value: $230,400, according to the latest five-year Census survey. Across Dallas County the median is $303,000. 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 Dallas County, rated
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Very High | 196 hail reports |
| Tornadoes | Very High | 12 tornadoes |
| Strong wind | Very High | 140 thunderstorm wind reports |
| Inland flooding | Very High | 113 flash floods |
| Hurricanes | Relatively Low | – |
| Wildfire | Relatively Low | – |
| Winter weather | Very High | – |
| Drought | Relatively Low | – |
| Lightning | Very High | – |
In FEMA’s National Risk Index, Dallas County carries an overall rating of very high. Its leading hazards, by rating, are hail (very high), tornadoes (very high) and inland flooding (very high).
Natural hazards have put Dallas County in 7 federal major disaster declarations since 2000. Among the most recent are Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024), Severe Winter Storms (2021) and Hurricane Harvey (2017).
What the comparison means for your policy
- 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.
- The city takes part in the National Flood Insurance Program, which makes federal flood policies available. Its current effective flood map dates to January 2023. Across Dallas County, 4,809 residential NFIP policies were in force, roughly 1 for every 128 homes. NFIP records show 554 flood claims in the county since 2016. Standard homeowners policies exclude flood, and a new NFIP policy generally has a 30-day waiting period.
- About 36% of homes went up before 1980, while 45% were built in 2000 or later. Some homes from the late 1970s through the mid-1990s used polybutylene supply lines, a material some insurers ask about during underwriting.
Where to verify Seagoville details
The Dallas County appraisal district (www.dallascad.org) publishes the square footage, year built and improvements insurers use to estimate rebuild cost. Its office is at 2949 N Stemmons Fwy Dallas, TX 75247-6102. Watches and warnings for Seagoville are issued by NWS Fort Worth/Dallas, TX. Its assigned radar site for Seagoville is KFWS.
While a slice of Seagoville is in Kaufman County, the bulk of it belongs to Dallas County. Dallas County forms part of the urban core of the Dallas-Fort Worth-Arlington metro. By straight-line distance, Seagoville is about 8 miles south of Mesquite.
Questions Seagoville homeowners ask
How risky is Dallas County for natural hazards?
Dallas County is rated very high overall in FEMA’s National Risk Index. The highest individual ratings are for hail (very high), tornadoes (very high) and inland flooding (very high). Use that list to decide where higher limits or a lower deductible are worth the premium.
How many major disasters has Dallas County seen?
Since 2000, FEMA has declared 7 natural-hazard major disasters that include Dallas County. The most recent was Severe Storms, Straight-line Winds, Tornadoes, and Flooding, declared in May 2024. FEMA assistance is capped and is not a substitute for insurance.
What does the Seagoville savings estimate on this page mean?
Our illustrative TX Insurance Resources estimate for Seagoville reflects a modeled 43.1% improvement versus the local market anchor. It is an estimate for comparison only; real results vary by home, coverage and carrier.
Is homeowners coverage mandatory for Seagoville 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.
Ready to price your Seagoville home?
Talk to a licensed Texas Insurance Resources agent at 800-875-4711, or get a quote online.
Sources and methodology
All public data on this page was pulled in October 2026. Census numbers are survey estimates. The two price cards are modeled estimates from Texas Insurance Resources, not quotes.
- TWIA eligibility
- Census ACS 2020–2024, Seagoville city: median year built, tenure, structure type, home value, population, year built
- NWS Fort Worth/Dallas, TX
- Census CBSA delineation
- Gazetteer (Census)
- NOAA Storm Events Database, Dallas County
- Community Status Book (NFIP)
- Disaster declarations (FEMA), Dallas County
- Texas property tax directory, Dallas County
- Comptroller economic regions
- NFIP data (OpenFEMA), Dallas County
- County and state comparisons: Dallas County value, Dallas County build year, Texas value
- National Risk Index (FEMA), Dallas County