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Home Insurance in Wylie, TX
Side-by-side numbers for Wylie, Collin County and the state, covering housing, hazards and flood insurance.
$5,176/yr
About $431/mo · ~$300k-$400k dwelling class
$3,007/yr
About $251/mo after modeled shopping discount
About 41.9% below local market estimate
How Wylie homes compare
| Measure | Wylie | Collin County | Texas |
|---|---|---|---|
| Median home value | $387,000 | $475,600 | $283,800 |
| Median year built | 2006 | 2003 | 1992 |
| Owner-occupied homes | 77% | 65% | 63% |
| Single-family detached | 83% | 68% | 64% |
| Built before 1980 | 7% | 10% | 33% |
| Built 2000 or later | 75% | 57% | 39% |
| Manufactured homes | 5% | 2% | 6% |
Home ages in Wylie are close to the Collin County pattern (median year built 2006 versus 2003). Owner-occupancy is higher than the county figure (77% versus 65%).
The median owner-estimated home value in Wylie is $387,000. Collin County overall comes in higher, at $475,600. Keep in mind that Coverage A should follow rebuilding cost, not sale price, since the lot itself does not burn or blow away.
Weather risk in Collin County, rated
| Hazard | FEMA NRI rating | NOAA reports, 2016–2025 |
|---|---|---|
| Hail | Very High | 310 hail reports |
| Tornadoes | Very High | 9 tornadoes |
| Strong wind | Relatively High | 108 thunderstorm wind reports |
| Inland flooding | Relatively High | 27 flash floods |
| Hurricanes | Relatively Low | – |
| Wildfire | Relatively Low | – |
| Winter weather | Relatively High | – |
| Drought | Relatively Low | – |
| Lightning | Relatively Moderate | – |
The National Risk Index from FEMA scores Collin County as relatively high for combined natural-hazard risk. The highest-rated individual hazards are hail (very high), tornadoes (very high) and inland flooding (relatively high).
FEMA has issued 5 natural-hazard major disaster declarations covering Collin County since 2000. The latest declarations were Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2024), Severe Winter Storms (2021) and Severe Storms, Tornadoes, and Flooding (2007).
Turning the Wylie numbers into coverage choices
- There is no TWIA option in Collin County, so the homeowners carrier handles wind and hail, and its deductible for those perils can differ from the all-other-perils deductible.
- Wylie participates in the National Flood Insurance Program, so NFIP policies are available to residents. The effective FEMA flood map for the community is from July 2014. Across Collin County, 1,451 residential NFIP policies were in force, roughly 1 for every 207 homes. Since 2016, 82 NFIP flood claims have come from Collin County. Remember that flood is excluded from homeowners policies and NFIP coverage usually starts 30 days after purchase.
- 2006 is the median year built for housing units in Wylie. Roughly 7% of the housing stock predates 1980 and 75% is from 2000 onward. Many homes here are recent builds, so the main variables are roof material, deductible choice and making sure the dwelling limit tracks today’s construction costs.
Local offices and records
Square footage and build year on file with the Collin appraisal district (www.collincad.org) feed straight into replacement-cost estimates, so check them for errors. The district office address is 250 Eldorado Pkwy. McKinney, TX 75069-8023. Watches and warnings for Wylie are issued by NWS Fort Worth/Dallas, TX. Radar coverage comes from the KFWS site.
While a slice of Wylie is in Dallas County and Rockwall County, the bulk of it belongs to Collin County. The Dallas-Fort Worth-Arlington metro area counts Collin County among its central counties. The nearest bigger city is Garland, about 10 miles from Wylie as the crow flies.
Wylie coverage questions
What natural hazards affect Wylie homes most?
Overall, FEMA scores Collin County as relatively high. Its standout hazards are hail (very high), tornadoes (very high) and inland flooding (relatively high). Flood is the one that needs its own policy; the others are generally covered perils with deductibles.
Should I insure my Wylie home for its market value?
Not necessarily. The Census median home value in Wylie is $387,000, but Coverage A should match the cost to rebuild, which excludes land and can be higher or lower than market value. Ask for a replacement-cost estimate based on square footage and finishes.
How often has Collin County had federal disaster declarations?
Collin County has been included in 5 natural-hazard major disaster declarations since 2000. 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.
How much could I save by shopping my Wylie policy?
The estimate cards above model about 41.9% below the local market figure for Wylie. Treat it as illustrative; your quote depends on the home, roof, claims history and deductible.
Get a Wylie home insurance quote
Compare carriers with Texas Insurance Resources. Call 800-875-4711 or request a quote online.
Sources for this Wylie page
Data reflects the most recent releases available in October 2026; survey figures carry margins of error. The two price cards are modeled estimates from Texas Insurance Resources, not quotes.
- National Risk Index (FEMA), Collin County
- Comptroller county directory, Collin County
- OMB metro and micro areas
- Census Gazetteer files
- NFIP data (OpenFEMA), Collin County
- Benchmarks: Collin County value, Collin County build year, Texas value
- American Community Survey 2020–2024, Wylie city: population, year built, structure type, tenure, home value, median year built
- Comptroller economic regions
- NOAA Storm Events Database, Collin County
- TWIA coverage area
- FEMA Community Status Book
- NWS Fort Worth/Dallas, TX
- FEMA declared disasters, Collin County