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GET AFFORDABLE HOMEOWNERS INSURANCE RATES IN IRVING, TX

GET AFFORDABLE HOMEOWNERS INSURANCE RATES IN IRVING, TX

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AVERAGE COST OF HOME INSURANCE IN IRVING, TX

Homeowners in Irving pay an average of $1,874 per year for home insurance, or about $156 a month. Rates in the city are shaped largely by spring hail and severe thunderstorms, which drive most roof and wind claims across Dallas County. Roof age and rebuilding costs also influence individual premiums.

The Texas average reaches about $4,668 a year, placing Irving roughly 60% below the state figure. Coastal hurricane exposure, frequent hail across North and Central Texas, and higher rebuilding costs push statewide premiums upward. Irving sits far inland, which removes hurricane risk from local pricing and keeps rates considerably lower.

Nationally, homeowners pay an average of $2,808 a year, about $934 more than Irving residents. Texas runs about 66% above the national figure because of its storm activity. Irving’s lower average reflects its inland location, though local hail exposure means wind and hail deductibles still deserve careful review before renewal.

IRVING

Local
$156 /month

$1,874 per year

Estimated average, $300,000 dwelling coverage

TEXAS

Statewide
$389 /month

$4,668 per year

Estimated average, $300,000 dwelling coverage

USA

National
$234 /month

$2,808 per year

Estimated average, $300,000 dwelling coverage

Note: These rates are estimates and can vary based on individual circumstances. For accurate pricing, it's recommended that you obtain personalized quotes.

Source: Insuranceopedia

Last Updated: October, 2026

LOCAL RISKS THAT AFFECT HOMEOWNERS' INSURANCE IN IRVING, TX

Hail and Thunderstorm Damage

The June 13, 2012, hailstorm dropped stones up to 2.75 inches in Irving, contributing to nearly $900 million in early estimated losses across Texas, according to the National Weather Service. For Irving homeowners, reviewing whether roof coverage pays replacement cost or actual cash value can clarify out-of-pocket expenses after damage.

Policy tip: Ask how roof age affects a wind or hail claim.

Hurricane, Tropical Storm, and Wind Exposure

On April 10, 2008, National Weather Service radar detected winds of 75 to 80 mph between North Richland Hills and Irving, and damage surveys confirmed straight-line winds of 70 to 75 mph, per the National Weather Service. Basic homeowners policies generally cover this wind damage to roofs, fences, and siding.

Policy tip: Ask how roof age affects a wind or hail claim.

Flooding and Flash Flood Hazards

On December 26, 2015, the National Weather Service issued a Flash Flood Warning that listed Irving among the cities expected to flood. Standard homeowners policies exclude rising water, so residents living near the Trinity River or local creeks should consider buying a separate flood policy well before heavy rain arrives.

Policy tip: Ask how roof age affects a wind or hail claim.

Tornado Threat

Even brief tornadoes can damage Irving homes. The National Weather Service confirmed an EF0 tornado inside the city on April 3, 2012, tracking 1.4 miles with a 40-yard path. Wind damage from tornadoes falls under standard homeowners coverage, so photograph your home and belongings before storm season begins each spring.

Policy tip: Ask how roof age affects a wind or hail claim.

Foundation Movement From Expansive Clay Soil

Seasonal swings between heavy rain and drought cause the clay beneath many Irving homes to expand and contract, stressing slab foundations. The Texas Department of Insurance includes foundation and slab damage among the coverages to compare. Most insurers exclude gradual settling, though damage from a sudden plumbing leak may qualify.

Policy tip: Ask how roof age affects a wind or hail claim.

Winter Storms and Freezing Temperatures

Across Irving’s six ZIP codes, the February 2021 freeze generated about 4,693 insurance claims and roughly $101 million in paid losses, according to Texas Department of Insurance data. Insulating exposed pipes, opening cabinet doors, and keeping heat running during hard freezes reduce the risk of costly water damage claims.

Policy tip: Ask how roof age affects a wind or hail claim.

DO YOU NEED WINDSTORM OR FLOOD INSURANCE IN IRVING, TX?

Windstorm or Hail
policy-dependent

Windstorm or Hail

Irving is outside the Texas Windstorm Insurance Association (TWIA) designated area, which covers eligible Gulf Coast communities. Wind and hail damage in Dallas County is generally covered under standard homeowners insurance in Texas. Since North Texas storms can produce hail, review your roof’s age and policy deductible to understand your potential out-of-pocket costs.
Flood Insurance
Separate-Policy

Flood Insurance

Irving homeowners should consider flood risk even away from major waterways, since storms can send water into streets faster than drainage systems can handle. Flood losses fall outside standard coverage, but the National Flood Insurance Program (NFIP) offers policies, and lenders may require one in FEMA high-risk zones.

WHAT AFFECTS YOUR HOME INSURANCE RATE IN IRVING, TX

Home insurance rates in Irving are not the same for every household. Each insurer builds a premium around the specific property, the person buying the policy, and the risks tied to the area. North Texas weather adds another layer, since hail, damaging winds, and winter freezes regularly lead to claims. Because these conditions differ from one home to the next, two neighbors can receive very different quotes. Knowing what shapes your price makes it easier to compare options. Below are the factors that affect home insurance rates in Irving:

Home Age and Construction

Roof Age and Material

Distance From the Coast

Home Insurance Claims History

Credit-Based Insurance Score

Dwelling Value and Coverage Limit

Deductible Amount

Home Security and Safety Features

Neighborhood Crime Rate

Foundation or Water Damage Claims

Distance to Fire and Water Services

HOMEOWNERS INSURANCE COVERAGE OPTIONS IN IRVING, TX

Dwelling Coverage

Dwelling Coverage

This protects your home’s main structure, along with attached areas and built-in features like roofing, HVAC, cabinetry, and plumbing, after a covered peril.
Other Structures Coverage

Other Structures Coverage

This applies to detached garages, sheds, fences, and gazebos, usually with a limit near 10% of your dwelling coverage that can be raised.
Personal Property Coverage

Personal Property Coverage

This reimburses your furniture, clothing, electronics, and other belongings inside the home when a covered event like fire damages or destroys them.
Loss of Use / Additional Living Expenses

Loss of Use / Additional Living Expenses

This handles hotel stays, meals, and other extra living costs when a covered loss forces you out of your home during repairs.
Personal Liability Coverage

Personal Liability Coverage

This steps in when you or a family member is liable for hurting someone or damaging their property, funding legal costs and settlements.
Medical Payments Coverage

Medical Payments Coverage

This settles small medical bills for guests hurt on your property, no matter who was at fault, though the limits are usually low.
Windstorm and Hail Coverage

Windstorm and Hail Coverage

This handles roof, siding, and window damage from hail and strong winds, often with a separate deductible based on your home’s value.
Flood Insurance

Flood Insurance
This separate policy deals with rising water from heavy rain or overflowing creeks, which regular home policies exclude. Some lenders might require it.
Water Backup Coverage

Water Backup Coverage

This optional add-on reimburses cleanup and repairs when drains or sewer lines back up into your home during heavy North Texas storms.
Foundation Coverage

Foundation Coverage

This applies to slab damage caused by a sudden plumbing leak under the house, but slow shifting from clay soil is usually excluded.

HOME INSURANCE DISCOUNTS IN IRVING, TX

Homeowners insurance can take a noticeable share of a household budget, especially as North Texas storm claims push premiums higher. Discounts give you a practical way to bring that cost down without giving up the protection your home needs. Even small savings add up over several renewals, freeing money for repairs, upgrades, or emergency funds. Asking about available credits each year also keeps your policy priced fairly as your home and circumstances change. Below are common ways Irving homeowners lower their premiums.

Multi-Policy Discount

Claims-Free Discount

New or Renovated Roof Discount

Monitored Alarm System Discount

Protective Device Discount

Gated Community or HOA Discount

New Home Discount

First-Time Homebuyer Discount

Non-Smoker Discount

Loyalty Discount

Automatic Payment Discount

Paid-in-full Discount

Senior Citizen Discount

Group Discount

Early Renewal Discount

WHY IRVING HOMEOWNERS CHOOSE CINCO

Competitive Rates

Industry Expertise

With or Without a License

With Good Credit, Bad Credit, or No Credit

Online/Phone/In-Person Services

Multiple Convenient Locations Near You

FREQUENTLY ASKED QUESTIONS ABOUT HOME INSURANCE IN IRVING, TX

How much does homeowners insurance cost in Irving, TX?
Homeowners insurance in Irving averages about $1,874 annually, or roughly $156 monthly. That is about 60% less than the Texas average of $4,668 a year, though individual rates depend on your home and coverage.
Do I need separate windstorm or flood coverage in Irving?
Irving homeowners don't need a separate windstorm policy because standard home insurance includes wind and hail. Flood coverage is sold separately and is required for federally backed mortgages in FEMA high-risk zones.
What affects homeowners insurance rates in Irving?
Your premium in Irving reflects both your home and its surroundings. A newer roof and clean claims history can lower costs, while high rebuilding expenses, a small deductible, or frequent North Texas hail can raise them.
Does CINCO offer bundled home and auto insurance in Irving?
Yes, CINCO offers bundled home and auto insurance for Irving residents. Pairing both policies often unlocks a multi-policy discount, and many carriers align renewal dates so you manage your coverage on one schedule.
How do I get a homeowners insurance quote in Irving?
Request a quote by contacting CINCO online or by phone. Share your Irving address, roof age, home size, and any recent claims, and a licensed agent will present coverage options suited to your property.

LICENSED AND TRUSTED BY IRVING HOMEOWNERS

CINCO has served Texas households since 1981 and has earned more than 7,000 five-star Google reviews from Texas policyholders. Our licensed agents understand how North Texas hail, wind, and freezes affect homes across Irving. They walk you through each policy option clearly, giving you a full picture before you commit.

Irving residents can bundle homeowners insurance with auto, flood, and renters policies through one agency, keeping every policy in a single place. Our bilingual team works in English and Spanish, reviews your coverage at every renewal, and guides clients through each step of the claims process until repairs are complete.
LICENSED AND TRUSTED BY IRVING HOMEOWNERS

GET YOUR IRVING HOME INSURANCE QUOTE TODAY

One spring storm can turn a quiet Las Colinas evening into a costly roof repair. Contact us for a personalized quote that accounts for Irving’s wind, hail, and flood exposure before the next season.

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Chris Daniels

Crystal has shown the epitome of professionalism. She has exceptional poise and ability. She is truly an asset to this company and the insurance industry. I look forward to future deals with her.

Google Review

Johnny Reighard

Edward was excellent. He was very friendly and highly knowledgeable, with an easygoing attitude and a down-to-earth personality. He helped us get a fantastic rate.

Google Review

Lloyd

This was a great experience. I enjoyed talking with Amanda. She was very nice, had great energy, and created a good atmosphere. We need more people like her. Thank you, Cinco!

Google Review

Kevin Hernandez

I had a really good experience with Edith. She made everything super easy, explained everything clearly, and helped me get a really good rate. I definitely recommend her.

Google Review

Marcos Guido

Sandy is awesome. She will help you as much as she can. She provided great customer service and was willing to go above and beyond to get me the best rate possible.

Google Review

Cliffton Boykin

Thank you to Julio Leija for assisting me with getting back on track with my coverage. He was polite and patient throughout the process. He helped me find the best insurance rate today!

Google Review

Rick Ciesielski

Maresa was very helpful with my auto insurance coverage. She clearly explained how I could pay my monthly premium online so I could keep my coverage from expiring.

Google Review

Kellye Carothers

Giselle was great at helping me get an insurance quote. She was very polite and helped me a lot. I will be meeting with her tomorrow to get my insurance. I hope you keep her—she’s really sweet.

Google Review

Joss M

I recommend coming here. I went to different insurance places to get quotes, but I had to come back to Cinco Insurance. Monica was a great help and provided the best quotes.

Google Review

Tashara

Denice was awesome in helping me find insurance for my car. I highly recommend her to anyone looking for insurance. She was able to find the lowest premium possible for me.

Google Review

Brandon Reyes

I’d like to thank Karina for helping me out today. She had a very pleasant voice and set everything up for me in a timely manner. I hope she has a blessed day!

Google Review

Edward Medina

Great service! Veronica was very understanding, took great care of me as a customer, and was very professional. Highly recommended for anyone looking for insurance.

Google Review

Arturo Rodriguez

I was looking for insurance during a very crucial moment, and this is where I found my solution. Thank you for the great service, especially Ms. Amanda. I truly appreciate your help.

Google Review

Maria Martinez

Cinco Insurance is awesome. They always answer my questions and are very professional. They always answer incoming calls and return calls in a timely manner. Julio, thank you for helping me.

Google Review

Abby Frausto

Five stars for Edith! She made the process super easy. Her customer service and communication skills were amazing. Thank you so much, Cinco Insurance!

Google Review

Chris Daniels

Crystal has shown the epitome of professionalism. She has exceptional poise and ability. She is truly an asset to this company and the insurance industry. I look forward to future deals with her.

Google Review

Johnny Reighard

Edward was excellent. He was very friendly and highly knowledgeable, with an easygoing attitude and a down-to-earth personality. He helped us get a fantastic rate.

Google Review

Lloyd

This was a great experience. I enjoyed talking with Amanda. She was very nice, had great energy, and created a good atmosphere. We need more people like her. Thank you, Cinco!

Google Review

Kevin Hernandez

I had a really good experience with Edith. She made everything super easy, explained everything clearly, and helped me get a really good rate. I definitely recommend her.

Google Review

Marcos Guido

Sandy is awesome. She will help you as much as she can. She provided great customer service and was willing to go above and beyond to get me the best rate possible.

Google Review

Cliffton Boykin

Thank you to Julio Leija for assisting me with getting back on track with my coverage. He was polite and patient throughout the process. He helped me find the best insurance rate today!

Google Review

Rick Ciesielski

Maresa was very helpful with my auto insurance coverage. She clearly explained how I could pay my monthly premium online so I could keep my coverage from expiring.

Google Review

Kellye Carothers

Giselle was great at helping me get an insurance quote. She was very polite and helped me a lot. I will be meeting with her tomorrow to get my insurance. I hope you keep her—she’s really sweet.

Google Review

Joss M

I recommend coming here. I went to different insurance places to get quotes, but I had to come back to Cinco Insurance. Monica was a great help and provided the best quotes.

Google Review

Tashara

Denice was awesome in helping me find insurance for my car. I highly recommend her to anyone looking for insurance. She was able to find the lowest premium possible for me.

Google Review

Brandon Reyes

I’d like to thank Karina for helping me out today. She had a very pleasant voice and set everything up for me in a timely manner. I hope she has a blessed day!

Google Review

Edward Medina

Great service! Veronica was very understanding, took great care of me as a customer, and was very professional. Highly recommended for anyone looking for insurance.

Google Review

Arturo Rodriguez

I was looking for insurance during a very crucial moment, and this is where I found my solution. Thank you for the great service, especially Ms. Amanda. I truly appreciate your help.

Google Review

Maria Martinez

Cinco Insurance is awesome. They always answer my questions and are very professional. They always answer incoming calls and return calls in a timely manner. Julio, thank you for helping me.

Google Review

Abby Frausto

Five stars for Edith! She made the process super easy. Her customer service and communication skills were amazing. Thank you so much, Cinco Insurance!

Google Review

Chris Daniels

Crystal has shown the epitome of professionalism. She has exceptional poise and ability. She is truly an asset to this company and the insurance industry. I look forward to future deals with her.

Google Review

Johnny Reighard

Edward was excellent. He was very friendly and highly knowledgeable, with an easygoing attitude and a down-to-earth personality. He helped us get a fantastic rate.

Google Review

Lloyd

This was a great experience. I enjoyed talking with Amanda. She was very nice, had great energy, and created a good atmosphere. We need more people like her. Thank you, Cinco!

Google Review

Kevin Hernandez

I had a really good experience with Edith. She made everything super easy, explained everything clearly, and helped me get a really good rate. I definitely recommend her.

Google Review

Marcos Guido

Sandy is awesome. She will help you as much as she can. She provided great customer service and was willing to go above and beyond to get me the best rate possible.

Google Review

Cliffton Boykin

Thank you to Julio Leija for assisting me with getting back on track with my coverage. He was polite and patient throughout the process. He helped me find the best insurance rate today!

Google Review

Rick Ciesielski

Maresa was very helpful with my auto insurance coverage. She clearly explained how I could pay my monthly premium online so I could keep my coverage from expiring.

Google Review

Kellye Carothers

Giselle was great at helping me get an insurance quote. She was very polite and helped me a lot. I will be meeting with her tomorrow to get my insurance. I hope you keep her—she’s really sweet.

Google Review

Joss M

I recommend coming here. I went to different insurance places to get quotes, but I had to come back to Cinco Insurance. Monica was a great help and provided the best quotes.

Google Review

Tashara

Denice was awesome in helping me find insurance for my car. I highly recommend her to anyone looking for insurance. She was able to find the lowest premium possible for me.

Google Review

Brandon Reyes

I’d like to thank Karina for helping me out today. She had a very pleasant voice and set everything up for me in a timely manner. I hope she has a blessed day!

Google Review

Edward Medina

Great service! Veronica was very understanding, took great care of me as a customer, and was very professional. Highly recommended for anyone looking for insurance.

Google Review

Arturo Rodriguez

I was looking for insurance during a very crucial moment, and this is where I found my solution. Thank you for the great service, especially Ms. Amanda. I truly appreciate your help.

Google Review

Maria Martinez

Cinco Insurance is awesome. They always answer my questions and are very professional. They always answer incoming calls and return calls in a timely manner. Julio, thank you for helping me.

Google Review

Abby Frausto

Five stars for Edith! She made the process super easy. Her customer service and communication skills were amazing. Thank you so much, Cinco Insurance!

Google Review
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