Homeowners Insurance in Lewisville, TX

For a home at Lewisville's median value of $378,500, we estimate about $3,585 a year — +25% 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 Lewisville

Est. premium

$3,585

$299/mo · median home

Median home value

$378,500

Texas: $283,800

Median year built

1997

Census ACS

Owner-occupied

46.3%

of households

Hazard score

86.7

state ref. 87.6

Lewisville's estimate reflects its home values (33% higher than the state median) and FEMA's hazard profile for Denton County.

Natural hazard risk in Lewisville

FEMA National Risk Index — Denton County
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Very High	99.7	Comprehensive (car); roof claims (home)
Tornado	Very High	99.8	Comprehensive; dwelling
Hurricane	Very Low	58.4	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Relatively High	95.7	Comprehensive; home needs a separate flood policy
Coastal flooding	Not rated	—	Comprehensive; home needs a separate flood policy
Strong wind	Relatively High	92.7	Comprehensive; dwelling
Winter weather	Relatively High	86.2	Collision (icy roads); frozen pipes (home)
Wildfire	Relatively Moderate	93.0	Comprehensive; dwelling
Earthquake	Relatively Low	74.0	Home needs a separate earthquake policy
Lightning	Relatively Moderate	80.6	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 Lewisville

Dwelling value	Wood frame	Brick / masonry
$200,000	$2,150	$1,980
$300,000	$2,975	$2,740
$500,000	$4,480	$4,120
$750,000	$6,195	$5,700

Home Insurance Estimator

Estimated annual premium

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Homeowners insurance by ZIP code in Lewisville

ZIP	Median home value	Owner-occupied	Est. premium
75056	$458,200	59.4%	$4,180
75067	$343,900	39.8%	$3,320
75077	$464,000	77.7%	$4,220
75057	$238,400	35.7%	$2,475

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

Frequently asked questions

How much is homeowners insurance in Lewisville?

For a home at Lewisville's median value of $378,500, we estimate about $3,585 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 Lewisville?

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

Does the age of homes in Lewisville affect insurance?

Yes. The median home in Lewisville was built in 1997 (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 Denton County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page