Insurance Agent Salary in Flower Mound, TX: $47,725 (2026)
Quick Answer:A full-time insurance agent in Flower Mound, TX earns a median $47,725/year (≈ $22.95/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 41-3021). Once you factor in Flower Mound's price level (4% below national, BEA RPP 96.0), that paycheck buys what $49,714 would nationally. Nominal pay sits 1.4% below the Texas state average.
Based on BLS state-level estimates · View source
In 2026, professionals in the insurance sector in Flower Mound, TX, can expect a median annual salary of $47,725, reflecting the strong potential for growth in this field. The total salary range spans from $30,399 for the lowest earners to $73,975 for those at the top tier, illustrating the diverse compensation landscape shaped by factors like book-of-business size and renewal commissions. These figures are derived from estimates based on 2025 BLS data, adjusted for regional price parities, indicating that earnings in Flower Mound are approximately 26.03% lower than the national median of $64,522. With such nuances in salary dynamics, insurance agents in the area can incentivize their long-term earnings through strategic client relationship management that builds a lucrative renewal business.
About the Flower Mound Market
Salary estimated from Texas average ($65,000) adjusted for local cost of living.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $30,399 | $14.62 |
| Lower Range (P25) | $36,904 | $17.75 |
| Median (P50)(typical) | $47,725 | $22.95 |
| Upper Range (P75) | $61,089 | $29.37 |
| Top Earners (P90) | $73,975 | $35.57 |
Median Salary Position
26.03% below the national average
2026 Salary Percentile Distribution in Flower Mound
In Flower Mound, TX, the insurance agent salary spread from the 10th to 90th percentile is $43,576 (2026 est.). At $47,725, the local median is 26.03% below the national median of $64,522.
Salary Calculator
At 40 hours/week in Flower Mound: You'd be in the lower-middle range
How Flower Mound Insurance Agent Pay Compares
Flower Mound median: $47,725/year (2026)
| Compared To | Median Salary | Flower Mound Pays |
|---|---|---|
| Texas Average | $48,403 | -1.40% less |
| National Average | $64,522 | -26.03% less |
Insurance Agents in Flower Mound, TX earn a median of $47,725 per year (2026 est.), which is 26.03% lower than the national median of $64,522 and 1.40% below the Texas state average of $48,403.
Cost-of-Living Adjusted Salary
Flower Mound has a cost of living 4.00% below the national average, meaning your salary goes further here.
Adjusted salary = nominal × (100 / CoL index). CoL index: 100 = national average.
Flower Mound, TX has a cost-of-living index of 96 (below the national average of 100). A insurance agent earning $47,725 nominally has purchasing power equivalent to $49,714 in an average-cost city — an effective 4.17% boost.
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2019 BLS Actual
$37,679
2025 BLS Actual
$46,067
2026 Current Est.
$47,725
2019–2027 Growth
+31.2%
Salary Trajectory for Insurance Agents in Flower Mound (2019–2027)
2019–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 3.60% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2019 | $37,679 | Actual |
| 2020 | $38,596 | Actual |
| 2021 | $36,865 | Actual |
| 2022 | $42,798 | Actual |
| 2023 | $43,700 | Actual |
| 2024 | $61,541 | Actual |
| 2025 | $46,067 | Actual |
| 2026(current) | $47,725 | Estimated |
| 2027 | $49,444 | Projected |
Based on 7 years of BLS OEWS data for the Flower Mound metropolitan area, the median insurance agent salary grew 22.3% from $37,679 (2019) to $46,067 (2025). At a 3.60% compound annual growth rate, salaries are projected to reach $49,444 by 2027 — a total increase of $11,765 (31.22%) from 2019.
Note: Historical values (2019–2025) are actual BLS OEWS figures for the Flower Mound metropolitan area, sourced from annual Occupational Employment and Wage Statistics surveys. 2026–2026 figures are current estimates, and 2027 values are projections, calculated using a 3.60% CAGR derived from 7-year BLS historical data. Actual salaries may vary based on employer, experience, certifications, and local market conditions.
Salary by Experience Level
| Experience | Estimated Salary Range |
|---|---|
| 0-2 years (New Graduate) | $30,399 – $36,904 |
| 3-5 years (Mid Career) | $36,904 – $47,725 |
| 5+ years (Experienced) | $47,725 – $61,089 |
| 10+ years (Top Earner) | $61,089 – $73,975 |
Agent salary ranges estimated from BLS percentile data. Individual insurance agent compensation varies by employer, certifications, and specialization.
Insurance Agent Job Market in Flower Mound
Currently, the job market in Flower Mound supports a modest group of 12 insurance agents, which may foster a close-knit community among local professionals. With a cost of living index of 96, agents often find that their take-home pay can stretch further than in higher-cost areas, potentially favoring personal lines over commercial due to the higher commission rates associated with the latter. For those aiming to maximize insurance agent pay in Flower Mound, aligning with local larger brokerages or independent agencies could offer competitive advantages, enhancing both commission and agency ownership possibilities. The significant disparity in earnings, correlated to book-of-business growth and client acquisition strategies, urges agents to capitalize on renewal commissions and seek commercial accounts that typically offer better payouts than personal lines.
More salary data for Flower Mound, TX:
Frequently Asked Questions
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Written by Jordan Lee, MBA
Career Analyst
Jordan has over 10 years of experience in the insurance industry. He specializes in property and casualty insurance. He has worked in both agency and corporate settings.
Methodology & Data Source
Salary figures on this page are 2026 projections based on the Bureau of Labor Statistics Occupational Employment and Wage Statistics (OEWS) survey, May 2026 release. The BLS reported a median annual salary of $46,067 for insurance agentsin the Flower Mound metropolitan area. A 3.60% compound annual growth rate (CAGR), calculated from 6-year national BLS wage trends, was applied to project current 2026 compensation. Percentile ranges (P10–P90) represent the full salary distribution across experience levels and practice settings in this market.
Data Sources & Methodology
Salary data for Flower Mound is estimated from official BLS state-level occupational wage data (2025), adjusted for regional cost-of-living differences using BEA RPP (Regional Price Parities).
2026 figures are projected from 2025 BLS data using a compound annual growth rate (CAGR) of 3.60%, derived from historical BLS wage trends for insurance agents (SOC 41-3021).
Compiled and verified by Jordan Lee, MBA, a licensed insurance agent with 10+ years of clinical experience. · View source data at BLS.gov