Homeowners Insurance in Allen, TX

For a home at Allen's median value of $464,100, we estimate about $4,180 a year — +46% versus the Texas NAIC average of $2,864.

These are estimates, not quotes. Home figures are modeled from NAIC state averages, Census home values and FEMA hazard ratings for comparison only. We are not an insurance company or agency. How we estimate

Estimated homeowners insurance cost in Allen

Est. premium

$4,180

$348/mo · median home

Median home value

$464,100

Texas: $283,800

Median year built

2003

Census ACS

Owner-occupied

69.4%

of households

Hazard score

85.1

state ref. 87.6

Allen's estimate reflects its home values (64% higher than the state median) and FEMA's hazard profile for Collin County.

Natural hazard risk in Allen

FEMA National Risk Index — Collin County
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Very High	99.9	Comprehensive (car); roof claims (home)
Tornado	Very High	99.9	Comprehensive; dwelling
Hurricane	Relatively Low	59.7	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Relatively High	96.8	Comprehensive; home needs a separate flood policy
Coastal flooding	Not rated	—	Comprehensive; home needs a separate flood policy
Strong wind	Relatively High	87.7	Comprehensive; dwelling
Winter weather	Relatively High	91.1	Collision (icy roads); frozen pipes (home)
Wildfire	Relatively Low	81.0	Comprehensive; dwelling
Earthquake	Relatively Low	82.0	Home needs a separate earthquake policy
Lightning	Relatively Moderate	67.7	Fire and electrical damage

Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).

Estimated premium by home value in Allen

Dwelling value	Wood frame	Brick / masonry
$200,000	$2,130	$1,960
$300,000	$2,950	$2,715
$500,000	$4,435	$4,080
$750,000	$6,140	$5,645

Home Insurance Estimator

Estimated annual premium

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Per month

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Homeowners insurance by ZIP code in Allen

ZIP	Median home value	Owner-occupied	Est. premium
75002	$447,800	78.4%	$4,065
75013	$590,700	63.6%	$5,070

Homeowners insurance in Texas · Car insurance in Allen · Insurance offices near Allen

Frequently asked questions

How much is homeowners insurance in Allen?

For a home at Allen's median value of $464,100, we estimate about $4,180 a year for a standard HO-3 policy with a $1,000 deductible. The Texas NAIC average is $2,864.

What are the biggest natural hazards in Allen?

FEMA's National Risk Index rates Collin County relatively high or very high for hail, tornado, inland (river) flooding, strong wind, and winter weather.

Does the age of homes in Allen affect insurance?

Yes. The median home in Allen was built in 2003 (Census ACS). Older roofs, wiring and plumbing can raise premiums or require inspections, while updates often earn discounts.

How we estimate this

We start from the NAIC average homeowners (HO-3) premium for Texas, scale it by the ratio of the dwelling value to the state median home value, adjust for construction type and deductible, and apply a hazard factor from FEMA National Risk Index scores for Collin County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page