Texas · A growing city is still a rebuild cost

Census city lists change every release. This page will not copy an old “nine Texas cities” ranking. New rooftops do not change what a homeowners policy pays.

The Census Bureau publishes population estimates for cities and towns. A press release from that series is linked below. It is not a list of the cheapest places to insure. Coverage A is the cost to rebuild the house you buy, not the sale price and not the fact that the subdivision is new. A lender’s minimum protects the loan. Many HO-3 forms pay replacement cost on the dwelling only if you insure to about 80 percent of rebuild cost. If the rebuild is $400,000, 80 percent is $320,000. Carry less and a partial loss can pay only a fraction of the repair, before the deductible. That is example math.

Hail and flood do not care that the city is growing. A hail deductible is often a percent of Coverage A. Two percent of $450,000 is $9,000, an example, and a new roof does not shrink the percent. Flood is not a homeowners peril. On the coast, TWIA, where it applies, is wind and hail. It is not flood. A new subdivision in a floodplain is still a flood policy if you want that water covered. TDI has noted that in Hurricane Harvey, more than half of the flooded homes were outside high-risk zones.

How to buy the policy in a new place: buying home insurance, dwelling coverage, and Texas homeowners. Water the homeowners form does not pay: flood. Coastal wind, without a premium from this page: TWIA. The product page: Texas homeowners insurance.

Quote the house, not the city’s rank on a growth list. Ask an agent or get a quote.

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Texas Cities Lead U.S. Growth Lists (Census Update)

Census city lists change every release. This page will not copy an old “nine Texas cities” ranking. New rooftops do not change what a homeowners policy pays.

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