Frisco, TX
Frisco, TX landlord and rental property insurance
Local rental data and insurance guidance for Frisco property owners. A quote is not a binder.
Frisco is home to roughly 235,208 people in Collin County, and about 34% of its 77,208 occupied homes are rented rather than owner-occupied, below the Texas rate of 37%. That mix shapes who is buying landlord coverage here and what underwriters expect to see.
Frisco rental housing by the numbers
| Measure | Frisco | Texas |
|---|---|---|
| Renter-occupied homes | 34% (26,330) | 37% |
| Median owner-occupied home value | $642,100 | $283,800 |
| Median gross rent | $2,014/mo | $1,403/mo |
| Median year structure built | 2009 | 1992 |
| Homes in 2–4 unit buildings | 1% | 5% |
| Single-family homes (detached or attached) | 72% | 67% |
Source: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates (tables B25003, B25077, B25064, B25035, B25024), retrieved via Census Reporter; population from U.S. Census Bureau, Vintage 2024 population estimates.
Insured value and premium context in Frisco
The median owner-occupied home in Frisco is valued at about $642,100, higher than the Texas median of $283,800. Market value includes land, so it is only a starting point: your dwelling limit should reflect what it would cost to rebuild the structure.
If your rental is insured somewhere around Frisco's median, the closest NAIC benchmark is the $600,000–$699,999 band, where the 2023 Texas dwelling-fire average was $2,926. The all-amounts state figure was $1,226.
Loss-of-rents planning in Frisco
Median gross rent in Frisco is about $2,014 a month. A year of lost rent at that level is roughly $24,168 per unit, a useful yardstick when you choose fair rental value coverage.
Older vs. newer rentals in Frisco
A median build year of 2009 makes Frisco's stock newer than most. Newer rentals benefit from modern wiring and plumbing, but replacement cost on recent construction can still run high.
Frisco's mix of rental buildings
Frisco is mostly single-family, around 72% of units, with 2–4 unit buildings at 1%. Single-family rentals here typically go on a dwelling fire policy.
Frisco next to other Texas rental cities
Plano has a renter share of 43% with homes valued around $465,900 at the median. For comparison, McKinney comes in at 36% rented and $471,800 median value, with median rent of $1,901. Houston has a renter share of 58% with homes valued around $277,800 at the median. By renter share, Frisco is number 29 on our list of 30 Texas cities. Buildings with five or more units hold about 26% of Frisco's homes; those generally need commercial apartment coverage rather than dwelling forms.
Frisco weather exposures that affect landlord claims
Typical Texas property risks such as winter freeze events that burst pipes and flash and coastal flooding, which needs separate flood coverage affect owners in Frisco and the rest of Collin 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 Frisco
- Lender name for the mortgagee clause
- Liability limit and months of rent to protect
- Street address in Frisco and number of units
- When the building went up and when the roof was last replaced
- 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 Frisco landlord quote
Questions from Frisco rental owners
How many renters live in Frisco?
About 34% of occupied homes in Frisco, roughly 26,330 households, are renter-occupied according to the 2020–2024 American Community Survey.
Is landlord insurance required in Frisco?
No Texas law mandates it for Frisco owners, though lenders, HOAs, and property managers commonly require it.
What is a typical landlord premium in Frisco?
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.
Other Texas cities
Landlord insurance in Texas · Cost by state
Last updated October 15, 2026. Sources and method: how we research.