For Flower Mound residents: independent agents comparing homeowners quotes from 25+ carriers.
What home insurance costs in Flower Mound
The typical homeowners insurance premium in Flower Mound, TX is about $2,601 annually for a typical local home (typical local home value about $560,200). For a $300,000 dwelling, expect around $1,917 per year; for a $600,000 home about $2,697; and for a $1,000,000 dwelling about $3,510. Freedom Insurance Group rates are often about 35% lower — near $1,691 per year for a typical home, roughly $1,246 for a $300,000 home, about $1,753 for a $600,000 home, and around $2,282 for a $1,000,000 home.
| Dwelling Coverage Limits | Average Annual Premium (incl. Windstorm & Hail Coverage) |
|---|---|
| $100,000 – $200,000 | $1,490 |
| $200,000 – $300,000 | $1,666 |
| $300,000 – $400,000 | $2,045 |
| $400,000 – $500,000 | $2,315 |
| $500,000 – $600,000 | $2,577 |
| $600,000 – $700,000 | $2,782 |
| $700,000 – $800,000 | $2,952 |
| $800,000 – $900,000 | $3,175 |
| $900,000 – $1,000,000 | $3,398 |
Band premiums are midpoints on the Flower Mound dwelling curve (typical local home value about $560,200). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Flower Mound, TX, using a typical local home value of about $560,200. Freedom figures apply an approximate 35% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
What makes Flower Mound, TX unique
Flower Mound counts roughly 71,253 residents, located in Denton County, part of the Dallas–Fort Worth metroplex.
Denton County suburb in the Dallas–Fort Worth metro, known for denser master-planned neighborhoods around Grapevine Lake and a mix of newer single-family housing.
Housing here is a mix of single-family homes typical of the Dallas–Fort Worth metroplex, but replacement cost, roof age, and construction type still drive most premium differences block by block.
Homes in North Texas are often rated for severe thunderstorms, hail, and tornado risk typical of the Plains.
Our Flower Mound office is at 3861 Long Prairie Rd, Ste 110, Flower Mound, TX 75028. Call (972) 798-3769, or see the Flower Mound office page.
Coverage basics for homeowners
When a covered loss hits, this limit rebuilds your home’s structure; keep it in line with today’s local rebuild costs.
Sheds, fences, detached garages, and the like that stand apart from the house are protected by this part.
This covers furniture, clothing, and everyday belongings inside the home, with special limits that apply to some higher-value categories.
When repairs after a covered claim make the house unlivable, this helps pay additional living expenses.
If you are legally responsible for injuring another person or damaging their things in a covered incident, this coverage steps in.
This coverage can help with guest medical bills for injuries that happen on your property, often without needing a formal liability claim.
Flood is a separate policy and is not included in the home policy. A percentage wind/hail deductible is a percent of the dwelling limit, not of the claim. Example, not a local rate: a 2% wind/hail deductible on a $300,000 dwelling is $6,000 out of pocket before the home policy pays that claim.
Ways to cut the premium in Flower Mound, TX
| Discount | What it means | Typical amount |
|---|---|---|
| New Home | New construction recently purchased | up to 40% |
| Age of home (5 yrs) | Newer homes | up to 26% |
| Bundle | Home and auto together | up to 25% |
| Upgrades | Electrical, plumbing, heating, roof updates | up to 20% |
| Hail-resistant roof | Class 1–4 impact roof | up to 12% |
| Claims-free | Multi-year claims-free history | up to 5% |
| Security / alarms | Monitored fire or burglar alarm | up to 4% |
| Paid in full | Pay annual premium upfront | up to 7% |
Which discounts apply and how much they are worth vary by carrier. Treat “up to” as the ceiling, not a guarantee.
Premium drivers for homeowners in Flower Mound
A homeowners quote in Flower Mound rests on a handful of connected factors that carriers check side by side. Count on rebuild cost, the roof’s age and type, and storm and wildfire exposure to drive most of the price. The deductible you pick and your claims record may move the final price about as much as choosing one carrier over another.
Putting the house back in comparable materials at today’s labor and supply prices is what replacement cost means. Since the carrier’s maximum payout grows with the rebuild estimate, higher estimates for Flower Mound properties generally raise premiums.
Construction type and roof details also matter: frame versus masonry walls, roofing material, and overall build quality shape how a property performs in wind, hail, and fire common across Texas.
Similar Flower Mound houses with matching rebuild costs can still price differently thanks to location risk: scores for storms, hail, wildfire, and crime that shift by ZIP code and neighborhood.
A better fire protection rating that reflects the protection class and nearby hydrants and stations tends to make a quote more competitive.
Carriers check claims history on every quote; recent claims tied to the home or the people in it tend to push the price up whether the Flower Mound policy is new or renewing.
If state law permits, carriers may use a credit-based insurance score, and a higher score tends to bring a lower price.
Flower Mound, TX bundling home and auto
The figures below are illustrated averages for bundling, not a promise. Actual savings vary with the carriers and drivers involved.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Flower Mound, Texas | $167 | $221 | $331 |
Flower Mound housing stock and storm history
Half of Flower Mound’s homes were built in or before 1997. Ages are mixed: 5.1% predate 1980 and 21% went up in 2010 or later.
The NOAA Storm Events Database logged 114 hail reports within about 7 miles of Flower Mound from 2016 through 2025; 86 were one inch or bigger. Top size measured 4.25 inches in June 2023 near Bartonville.
Since 2000, Denton County has appeared in 8 major disaster declarations; the most recent is Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (May 2024).
FEMA’s National Risk Index flags hail (“Very High”), tornado (“Very High”), wildfire (“Relatively Moderate”), and winter-weather (“Relatively High”) in Denton County.
Occupied homes in Flower Mound are heated mostly with utility gas (68%) and electricity (31%).
Named communities and subdivisions in USGS place-name records near Flower Mound include Double Oak, Bartonville, Lantana, and Copper Canyon. Each area can price differently because of roof age, construction, and fire-station distance.
Tornadoes are part of the picture too: NOAA logged 3 tornadoes touching down within 10 miles of Flower Mound between 2016 and 2025, the most intense an EF1 during December 2022.
Census survey estimates (ACS 2020–2024) show about 28,789 housing units in Flower Mound, and owners occupy close to 82% of the occupied homes. By structure type, 86% are detached single-family houses and 11% are in buildings with two or more units.
The Census Bureau counted 50,702 people in Flower Mound at the 2000 Census and 64,669 at the 2010 Census; its July 2024 estimate is 79,990. That works out to about 58% more residents than in 2000.
Older NOAA hail logs add more history: NOAA’s Storm Prediction Center counts 70 hail reports within 5 miles of Flower Mound between 1955 and 2015, the largest 2.75 inches on April 22, 1983. Reports of 2-inch or bigger hail number 3 in that span. NOAA Storm Prediction Center records list 23 tornadoes that began within 10 miles of Flower Mound from 1950 through 2015, the strongest an F2 on August 21, 1960.
ZIP codes we insure in and around Flower Mound
75028
Neighborhoods in Flower Mound
- Dominion Estates
- Wichita Chase
- River Oaks / Wichita Creek Estates
- Town Lake
- Liberty Park
- Magnolia Park
- Kensington Park Estates
- Canterbury Row
- Wellington
- Brandywine at Wellington
- Vilamoura
- The Woods at Wellington
- Sanctuary
- Regency Park
- Auburn Farms
Related Texas coverage pages
Compare home insurance quotes for Flower Mound, TX
Freedom Insurance Group checks 25+ carriers for Flower Mound households. Phone (800) 253-1482 or start a free home quote online.
