Denton, TX
Denton, TX landlord and rental property insurance
Local rental data and insurance guidance for Denton property owners. A quote is not a binder.
With an estimated 165,998 residents, Denton has around 28,332 renter households, about 50% of occupied housing. Statewide, Texas sits at 37%, so Denton's rental share is above the state figure.
Key housing figures for Denton, TX
| Measure | Denton | Texas |
|---|---|---|
| Renter-occupied homes | 50% (28,332) | 37% |
| Median owner-occupied home value | $348,200 | $283,800 |
| Median gross rent | $1,420/mo | $1,403/mo |
| Median year structure built | 1997 | 1992 |
| Homes in 2–4 unit buildings | 8% | 5% |
| Single-family homes (detached or attached) | 59% | 67% |
Data: Census ACS 5-year estimates for 2020–2024 via Census Reporter, and Census Vintage 2024 population estimates.
What home values in Denton mean for your dwelling limit
Denton's median home value, roughly $348,200, gives a rough sense of what rentals here are worth; the state median is $283,800. For insurance, ask for a replacement-cost estimate on your specific building.
For context, the NAIC reported that Texas dwelling-fire policies insuring $325,000 to $349,999 averaged $1,960 a year in 2023, against a statewide dwelling-fire average of $1,226. Those are owner-occupied dwelling-form figures, not landlord quotes.
How much rent to protect in Denton
Rents in Denton center on about $1,420 monthly, including utilities where tenants pay them. Many owners plan for a year offline after a serious loss, which works out near $17,040 per unit at the median.
How old Denton's housing is, and why it matters
Denton's median home dates to about 1997. Systems are often on their first or second replacement, so roof age and water heater age carry a lot of weight in pricing.
Denton's mix of rental buildings
Denton's housing is mixed: about 59% single-family, 8% in 2–4 unit buildings, and 30% in buildings of five or more units. Dwelling forms fit up to four units; larger buildings need commercial apartment coverage.
Denton next to other Texas rental cities
Nearby Lewisville reports 54% renter households and a $378,500 median home value, so proportionally more renters than Denton. Carrollton has a renter share of 41% with homes valued around $381,000 at the median. For comparison, Houston comes in at 58% rented and $277,800 median value, with median rent of $1,361. By renter share, Denton is number 9 on our list of 30 Texas cities. Roughly 30% of homes in Denton are in buildings of five or more units, the point where most owners move to commercial apartment policies.
Natural hazards Denton landlords plan for
Typical Texas property risks such as hail, especially across North and Central Texas and wind and hurricane exposure near the Gulf coast affect owners in Denton and the rest of Denton County. Flood and earthquake are excluded from standard dwelling forms and need their own coverage.
Hazard themes reflect FEMA’s National Risk Index and NOAA’s Storm Events Database; check the index for your specific county.
Getting a landlord quote in Denton
- Who holds the loan, for the mortgagee clause
- How much liability and lost rent you want covered
- The Denton address and how many units it has
- Construction year plus the age of the roof
- Occupancy: long-term lease, month-to-month, short-term, or vacant
- Dates of wiring, plumbing, and HVAC upgrades
- Prior carrier, expiration date, and five-year loss history
Request a Denton landlord quote
Questions from Denton rental owners
What share of Denton homes are rentals?
About 50% of occupied homes in Denton, roughly 28,332 households, are renter-occupied according to the 2020–2024 American Community Survey.
Do Denton landlords have to carry insurance?
No Texas law mandates it for Denton owners, though lenders, HOAs, and property managers commonly require it.
How much does landlord insurance cost in Denton?
It depends on the building, coverage, and deductible. For background, the NAIC reported a 2023 Texas dwelling-fire average of $1,226; see our Texas page for the full table.
More landlord pages near Denton
Landlord insurance in Texas · Cost by state
Last updated October 15, 2026. Sources and method: how we research.