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Home Insurance in The Colony, TX
Six steps to a better homeowners policy in The Colony, built around Denton County hazard and housing data.
How to shop for home insurance in The Colony
- Start with the appraisal record. Before you request quotes, pull your record from the Denton appraisal district at www.dentoncad.com; the Texas Comptroller’s Denton County directory lists its contact details. Its office is at 3911 Morse St. Denton, TX 76208-6331.
- Size Coverage A correctly. Census data shows a median home value of $383,900 in The Colony. That is close to the Denton County median of $437,200. Market value includes land and location, so it is not the same as the cost to rebuild; insure the dwelling to a replacement-cost estimate instead.
- Match the deductible to the storm record. Denton County had 373 hail reports in NOAA’s storm records for 2016 through 2025. Of these, 298 reached at least one inch in diameter. On June 15, 2023, observers reported hail as large as 5.9 inches. Ask each carrier for quotes at two deductible levels so the trade-off is visible.
- Check the wind arrangement. There is no TWIA option in Denton County, so the homeowners carrier handles wind and hail, and its deductible for those perils can differ from the all-other-perils deductible.
- Decide on flood coverage. Because The Colony is an NFIP participating community, homeowners can buy National Flood Insurance Program coverage. Its current effective flood map dates to April 2011. Across Denton County, 1,740 residential NFIP policies were in force, roughly 1 for every 147 homes. Since 2016, 122 NFIP flood claims have come from Denton County. Remember that flood is excluded from homeowners policies and NFIP coverage usually starts 30 days after purchase. You can check your flood zone by address at the FEMA Flood Map Service Center.
- Compare quotes on equal terms. Ask every carrier to quote the same dwelling limit, deductibles and endorsements, then compare price and claim terms. An independent agency can run several The Colony quotes at once; start a quote here.
$5,076/yr
About $423/mo · ~$300k-$400k dwelling class
$2,863/yr
About $239/mo after modeled shopping discount
About 43.6% below local market estimate
The Colony data in one place
Taking all natural hazards together, FEMA rates Denton County relatively high. The highest-rated individual hazards are hail (very high), tornadoes (very high) and ice storms (very high).
About The Colony
The Colony belongs to Denton County. Commuting ties put Denton County in the Dallas-Fort Worth-Arlington metro as an outlying county. The Colony lies northeast of Lewisville, around 5 miles away in a straight line.
In The Colony, 60% of occupied homes are lived in by their owners and 68% of units are detached houses. Line up every home in The Colony by age and the one in the middle was built in 2001. About 21% of homes went up before 1980, while 53% were built in 2000 or later.
For local warnings, the responsible National Weather Service office is NWS Fort Worth/Dallas, TX. Radar coverage comes from the KFWS site.
The Colony quote questions
When is the best time to compare home insurance in The Colony?
Yearly is a good habit, plus whenever your premium jumps, you finish a remodel or you replace the roof.
Does my The Colony policy cover a burst pipe after a freeze?
Usually, as long as the damage is sudden and the house was heated. Winter weather is rated relatively high in Denton County by FEMA, so know where your main shutoff valve is.
Does Texas law require home insurance in The Colony?
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.
Are tornadoes covered on a The Colony home policy?
Yes. Tornadoes fall under the windstorm peril, so the wind and hail deductible applies. Denton County had 10 tornadoes in NOAA’s 2016 to 2025 records, which is a good reason to check your dwelling, other-structures and debris-removal limits.
Compare The Colony home insurance quotes
Compare carriers with Texas Insurance Resources. Call 800-875-4711 or request a quote online.
Where the The Colony numbers come from
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.
- NOAA NCEI storm reports, Denton County
- Community Status Book (NFIP)
- Disaster declarations (FEMA), Denton County
- OMB metro and micro areas
- Census Gazetteer files
- FEMA National Risk Index, Denton County
- OpenFEMA NFIP data, Denton County
- TWIA coverage area
- Comparison figures: Denton County value, Denton County build year
- NWS Fort Worth/Dallas, TX
- Census ACS 2020–2024, The Colony city: tenure, structure type, median year built, home value, population, year built
- Texas property tax directory, Denton County
- Comptroller economic regions